life insurance and ulcerative colitis, anyone have experience?

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enemation
New Member


Date Joined Jul 2009
Total Posts : 15
   Posted 7/12/2009 8:46 PM (GMT -6)   
Anyone in the USA have experience getting a whole life policy and having ulcerative colitis. Denied or high rates?
15 years and counting of being diagnosed with transverse, descending and rectal UC.
Rx, 9 pills a day of colozal and periodic prednisone keeps my bowel movements down to 1-2x daily.


Scrap Girl
Veteran Member


Date Joined Jan 2007
Total Posts : 653
   Posted 7/12/2009 10:06 PM (GMT -6)   
Higher rates - if I remember right, mine was going to cost four times as much as my husband's.
Diagnosed with UC in Feb. 2005
 
Colazal (9 a day)
Folic Acid
Biotin
Calcium
Remicade


LuckyLindy
Regular Member


Date Joined Feb 2009
Total Posts : 226
   Posted 7/13/2009 3:13 PM (GMT -6)   
I was diagnosed with UC in 04 and bought a 20 year term policy right afterwards. They added a 100% rider (doubling the cost). I didn't go to the doctor for 5 years afterwards (they had wanted to remove my colon so I swore off doctors for a while), and now received a policy with a 50% "good health" discount since I had no recorded treatments for chronic conditions.

BTW - if you really want a guaranteed payout (whole life), you might be better getting a term life policy plus separate annuity or similar policy.

princessb
Regular Member


Date Joined Jan 2009
Total Posts : 24
   Posted 7/13/2009 5:39 PM (GMT -6)   
I was denied.  I was on pred at the time and in a flare, but completely denied.  That was USAA.

Ulcerative Colitis, Hyperthyroidism
Lialda 2.4 Gm, Methimazole 5 mg, Atenolol 25 mg
In remission after almost 3 years :)

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