Life Insurance

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twojp
New Member


Date Joined Aug 2009
Total Posts : 5
   Posted 8/20/2009 11:26 AM (GMT -6)   
I am 26/m and have had UC for 4 years.  I am tying to get Life Insurance but have got denied by Farmers.  Does any one have life insurance that wasn't too hard to get?
Any help would be great.
Thanks
Jason

lemonhead
Veteran Member


Date Joined Dec 2007
Total Posts : 1028
   Posted 8/20/2009 11:28 AM (GMT -6)   
We used Guardian. Mine was really expensive because of the UC, but I did get covered.
diagnosed with left-sided UC in 1997. (45cm)
Currently on 10mg Prednisone
12 caps of colazal    9 caps Colazal
2  1 rowasa enemas nightly
35, female


twojp
New Member


Date Joined Aug 2009
Total Posts : 5
   Posted 8/20/2009 11:31 AM (GMT -6)   
May I ask what you pay and how much coverage do you have?  Also what is your age?

Eva Lou
Veteran Member


Date Joined Sep 2006
Total Posts : 3442
   Posted 8/20/2009 1:45 PM (GMT -6)   
this is interesting- my husband & I have been talking about getting some sort of plan- we have nothing! Now that we're parents we feel like we really ought to have some sort of coverage. I never thought that the UC would matter- it's not a disease that increases mortality, right? I wonder, from an insurance standpoint, why the premiums are so much higher? do they think that someone with UC is apt ot die earlier than someone without IBD? Or maybe from a complication from meds or surgery? Do you have to tell the insurance people, or do they get your medical recs?
diagnosed with UC '02
meds-
Asacol- 8 tabs/day
Remicade-10mgs/kg- since 4/07
Imuran- 150mgs/day
various probiotics
Fiber supplement
 
 
 


twojp
New Member


Date Joined Aug 2009
Total Posts : 5
   Posted 8/20/2009 1:49 PM (GMT -6)   
Thats what I thouht too and didn't think it would be a problem as without UC I am fine and my UC is under control by meds.  But I've been denied by farmers and transamerica I believe the other one was.

NiRo
Regular Member


Date Joined Aug 2009
Total Posts : 198
   Posted 8/20/2009 2:20 PM (GMT -6)   
I know for a fact that it can cause rates to go up (double in most cases). I didn't know it would cause a problem in obtaining insurance all together. I was planning on increase the amount of term insurance I have (the existing amount I have was before the UC diagnosis), but haven't done so....what a pain!
Lialda 4x a day (2x in the morning, 2x at night)
Rowasa Enema 1x at night
Align (Probiotic) 1x a day
Fish Oil 4x a day
Multi-Vitamins (includes B-12, Vitamin D, Vitamin C) 1x a day
Diagnosed with Pancolitis (Moderate in 4/5th of the colon, Mild in 1/5th) in July 2009


Howright
Regular Member


Date Joined Oct 2008
Total Posts : 86
   Posted 8/20/2009 3:13 PM (GMT -6)   
 
We just got Metlife and mine was actually cheaper than intitially quoted and cheaper than my husband's who is the same age.  I can't remember the amount of coverage on either of us - but they originally quoted us $105 per month and it dropped to $70-ish.   I asked the guy why mine dropped and he didn't have any information to offer other than it was all actuarial. 
 
I was actually a little floored that out of all of the bad diseases out there, UC was on the list of 10 diseases on the questionaire.  As horrible and annoying as UC can be I find it hard to believe it falls in the same life expectancy category as cancer or smoking or drinking for that matter. 
 
Another interesting tidbit that I just read an article on MSN is that if you take the medical test the results (good or bad) are dumped in a national database for all insurance companies to access.  So . . . . if you got rejected for coverage due to the results of the medical test, it might be tough to find coverage from another company. 
 
 


 
Diagnosed January 07 - but realize I've been living with minor flare-ups for 10+ years. 
 
Asacol 3 pills/3 times a day.
 

Post Edited (Howright) : 8/20/2009 3:18:11 PM (GMT-6)


Beth75
Veteran Member


Date Joined Jul 2007
Total Posts : 2148
   Posted 8/20/2009 3:45 PM (GMT -6)   
The Aflac rep told me that I could not get insurance through them b/c of the UC and kidney disease. The UC is b/c of increased risk of colon cancer.
Beth, 33 ~ UC in Pred/Cellcept remission
Major Flare Sept/Oct 07.  Flare May 08 (from aspirin?).
UC dx'd 03/00 Proctosigmoiditis; Pancolitis since 09/07
Can't take anything b/c I am on Cellcept for my kidneys (can possibly help UC) Calcium and Vit D 500mg 3xday, Multi Vit, Folic Acid 400mg 2xday, Prilosec, Probiotics.
Minimal Change Disease (Kidney Disorder) dx'd 09/07. Close to remission since 9/08.
Cellcept 1500mg 2xday, Prednisone 10mg 1xday, Lipitor 40mg 1xday, Diovan 160mg 2xday. Tekturna 300mg 1xday, Fosomax 70mg 1xweek. MCD may be from hypersensitivty to 5ASA drugs (sulfasalazine, asacol).  Do you have edema? If so, check your blood protien level!
 


Serenity Now
Veteran Member


Date Joined Jan 2009
Total Posts : 2110
   Posted 8/20/2009 4:23 PM (GMT -6)   
Eva Lou said...
 Do you have to tell the insurance people, or do they get your medical recs?

Yes you have to tell them!  Even if somehow they didn't find out and approved your app, it's no good paying premiums for years only for the claim to denied when the time came.  Even if your claim had nothing to do with UC, they can say that they would not have approved the coverage if they had known, so you (or your beneficiary) will be screwed.
ack, 43, Vancouver BC
 
DX: UC (Pancolitis) as of Jan2009.  Symptoms first began June 2008.
Current Meds: Ferrous Sulfate, plus various supplements
Previous Meds: Jan-Mar 2009: Asacol 800 mg (1 pill x 4 daily), stopped Mar14/09. 


Hobo
Regular Member


Date Joined Jan 2006
Total Posts : 187
   Posted 8/20/2009 7:35 PM (GMT -6)   
I have a $250,000 policy thru AAA. It required no medical exams of any kind.
Costs me $60 a month.

JewelsOK
Regular Member


Date Joined Jun 2007
Total Posts : 364
   Posted 8/20/2009 7:41 PM (GMT -6)   
I tried to get insurance for my son shortly after his dx to protect his future insurability later in life. He was 11 or 12 at the time and the rates were going to be near $300 per month!!

This would have been back in '03. Did they use the national databank back then? I sure hope not.

Do rates go down if the colon is removed and the disease is "cured"?

I might have to look into the Metlife or AAA.

Just on more thing that is not fair about this disease!!!
Julie

Mom of Son 17 UC dx 07/02, Prednisone 2.5 mg, Lailda 2 am & 1 pm, Azasan 100mg, folic acid, L. Reuteri, Culturelle, Zyrtec, Iron, Vit/Min

Daughter 10 UC dx 08/07 Prednisone 2.5 mg, Colazal 750mg x 4, 6MP 12.5mg, Iron, Vit/Min., Culturelle


LuckyLindy
Regular Member


Date Joined Feb 2009
Total Posts : 226
   Posted 8/21/2009 7:45 AM (GMT -6)   
keylime said...
I tried to get insurance for my son shortly after his dx to protect his future insurability later in life. He was 11 or 12 at the time and the rates were going to be near $300 per month!!


My understanding is that longterm rates for people under 18 can often be more expensive because insurers think parents are getting the insurance because of an undisclosed condition (their thought is "why would a parent buy a large life insurance plan for a teen unless something is wrong?").
33 year old male
diagnosed severe pancolitis in 2004, unresponsive to all drugs
turned down recommendation to have j-pouch surgery
have been mostly symptom free since 2004 via diet modification (removed all carbs)


lemonhead
Veteran Member


Date Joined Dec 2007
Total Posts : 1028
   Posted 8/21/2009 10:11 AM (GMT -6)   
I think we pay around 700/year for 250,000. Good luck.
diagnosed with left-sided UC in 1997. (45cm)
Currently on 10mg Prednisone
12 caps of colazal    9 caps Colazal
2  1 rowasa enemas nightly
35, female

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