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Crohn's Disease
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Posted 8/28/2008 7:56 PM (GMT 0)
Hello, I was wondering if anyone had experience applying for (and hopefully obtaining) life insurance. I have had Crohn's for 20 years, and while it's largely under control, I was hospitalized for a flare-up earlier this year. I am now trying to obtain life insurance. Most companies appear to automatically bump you to a worse rate class (or even disqualify you) just for having Crohn's, without any regard to the severity of your case. Has anyone had success getting life insurance? If yes, what company did you go with and did you find that any companies were better than others as far as understanding the intricacies of this disease? I contacted CCFA about this but they didn't really help. Thanks in advance for any help!

~ Bania
Posted 8/28/2008 10:07 PM (GMT 0)
I have never had difficulty getting life insurance - but have been regularly denied disability coverage on loans or mortgages etc.

Posted 8/29/2008 12:12 AM (GMT 0)
I got it through my husbands group policy through his employer.
Posted 8/29/2008 8:21 PM (GMT 0)

Same here, employer-sponsored plan.

You wouldn't think it's so much to ask for a little bit of money, like maybe burial expenses and a month's pay if you die, to go to someone's family, especially since we could easily die from a car accident and not crohn's.  The insurance companies don't seem to see it that way though, most of them cry "RISK!!  OH NO!!" for any medical conditions and freak out.

If you check with enough companies you should be able to find a few that will offer you a really low level of coverage, like maybe 20,000 or 50,000, for a very reasonable amount of money.  It's not fantastic but it's waaaaay better than nothing tongue

Posted 8/29/2008 8:38 PM (GMT 0)
My first policy was purchased when I was a toddler--my grandfather was in insurance salesman. A few years ago we upgraded/moved it to TransAmerica. It's a good company as far as I know. But this was all before diagnosis.

My grandfather also wrote a term policy through Banner Life for my husband. He has a mild heart issue. They were very detail-oriented about his health history, and in the end he got the policy and the premium is very reasonable. I would recommend trying Banner, or TransAmerica, if you have not already.

If you can't get it through your employer, your best bet is to find a private underwriter who writes policies with multiple companies, and have them do the legwork for you.

Good luck.
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