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Has your UC diagnosis hurt your chances of getting good life insurance coverage?

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Ulcerative Colitis
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I Gotta Go
Regular Member
Joined : Sep 2007
Posts : 44
Posted 9/14/2007 2:23 PM (GMT -7)
Just wondering.
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Seahorselover
Regular Member
Joined : Sep 2007
Posts : 30
Posted 9/14/2007 3:06 PM (GMT -7)
that is a good question, I would like to know too :>)
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*Jen*
Veteran Member
Joined : Jul 2005
Posts : 609
Posted 9/14/2007 3:26 PM (GMT -7)
Yes, my premium would be higher as I have UC, so I opt to use my work's life insurance which doesn't ask about pre-existing conditions. If I quit my job though then I won't have that coverage anymore. Not sure what the difference in price would be though. Wondering if anyone else knows how much more they pay becauce of their UC. Good question!
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cycling_sasquatch
Regular Member
Joined : May 2007
Posts : 169
Posted 9/14/2007 4:58 PM (GMT -7)
I have insurance through work, but I tried to get more. I got denied by three companies. They said try again in a year. I was trying to get $1 million, though, and next time I'll see if less makes a difference. I was told that it didn't matter how much, there was just too many red flags. (Had I tried three months earlier, I would have been fine because I had no symptoms and hadn't been diagnosed!)
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UC Dude
Regular Member
Joined : Aug 2005
Posts : 438
Posted 9/14/2007 7:00 PM (GMT -7)
I got $500k 20 year term for $168/month.  Pricey.
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Another UC wife
Veteran Member
Joined : Jun 2007
Posts : 2111
Posted 9/15/2007 5:28 AM (GMT -7)
Fortunately we got our policies before this diagnosis...however the type 2 diabetes definitely had a negative effect on the life insurance rates (and long term care rates) for my husband and put him in a higher risk category for premiums so I'm not surprised this would do the same thing. Gotta love those insurance companies....they'll give you insurance and it is reasonable as long as you are healthy. Once they know you've got something if they'll insure you at all you're gonna pay the price. I asked at the time what the premiums would have been if he was in a regular healthy category and it was a major difference.

I had 20/20 on last night and it was regarding health insurance and it is a disgrace the way so many people are handled and insurances terminated on various people. The financial ruin and psychological problems that accompany some of the "heartless" way some are treated.

Something definitely needs to be done in this country for the less fortunate and even middle class who have a decent income but cannot afford the out of sight premiums, deductibles etc.
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sodbuster19
Regular Member
Joined : Sep 2007
Posts : 343
Posted 9/15/2007 1:37 PM (GMT -7)
Yes. I have had term ins for a few years now, and when my 2nd son was born, I tried to increase my amount, and was denied. I am almost divorced(Oct.2), and as of now I have been on her health ins. I have called other company's, including the same 0ne as we have now, and have been denied or the cost for just myself is close to $700/mo here in New York.

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Hobo
Regular Member
Joined : Jan 2006
Posts : 187
Posted 9/16/2007 1:08 PM (GMT -7)
I have life insurance thru AAA. The plan requires no checkup and doesn't care about pre-existing conditions.

$250,000 policy for $60 a month.

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