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Does any company offer life insurance?

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Crohn's Disease
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Posted 4/13/2012 12:10 AM (GMT 0)
Does anyone know of an Insurance company that offers policies if you have crohns? A close friend passed away and made me think of getting a policy. I have been denied twice now. I'm still working 40 hours a week and I've never called into work for this.
Posted 4/13/2012 12:20 AM (GMT 0)
Does your employer offer life insurance as a benefit? If so, those usually can't deny for pre-existing conditions. Otherwise, go to an insurance broker and have them look for a policy for you. Saves you from calling a bunch of different companies.
Posted 4/13/2012 12:32 AM (GMT 0)
My company does offer 2x salary automatically for everyone. So I do have something as long as I'm working there. Allstate and state farm have denied me. And state farm denied me before I even knew I had it. I had something else in my chart that should have been and I'm wondering of that's why they denied me. I'm not sure.
Posted 4/13/2012 6:10 PM (GMT 0)
Since you have life insurance available through your employer, I would recommend contacting either the benefits coordinator for your employer or the human resources office and ask them about purchasing additional coverage through the employer. My company offers one time my salary but I have the option to purchase larger amounts through them if I choose to. Just a suggestion.
Posted 4/13/2012 6:38 PM (GMT 0)
I was able to get life insurance through a group policy with the American Dental Association. Unfortunately, I wasn't able to get it on my own. I would recommend trying to get extra coverage through your work, since we might only be able to get coverage through a group plan...
Posted 4/13/2012 7:55 PM (GMT 0)
I have life insurance and am allowed up to 4 times my wages no questions asked through my employer nono   Crohns is considered a denial for both individual health insurance and life insurance. I have no other life insurance except what my employer offers. I am allowed to cover my husband for 2 times my wages as well without health questions..When you get a diagnosis like CD they turn it into the Medical Information Bureau database, so even if you don't list it will come up..I can see a decline for health insurance but not for life insurance. I have only heard of one person that died from complications..From the amount of people who have this disease, I would not consider it a life threatening reason to decline a life insurance policy--aids, cancer, mental illness, and even diabetes maybe..This is why doctors are not in a hurry to slap the CD label on a person without documentation for sure..!! I am not eligible for heath care that is not group coverage!!

Posted 10/10/2012 10:37 AM (GMT 0)
We have life insurance as one of the company's benefits so I don't really have an idea if what insurance company will be applicable to you. I would suggest that you go online and see the results if its applicable to your area. Hopefully you'll find one that is affordable and is able to provide you what you need.
Posted 10/10/2012 10:48 AM (GMT 0)
I work for State Farm and have policy through them of course I got it before I was diagnosed but I was able to get my Type 1 Diabetic child insured we do have tight control of his diabetes however they typically turn these kids down. They did table rate him I pay 39.00 a month for a $25,000 whole Life I figured it was better then not having anything for him.

You may want to contact your local agent they can guide you.
Posted 10/19/2012 7:38 PM (GMT 0)
I was able to obtain individual 25-year term life insurance through Transamerica with no problem. It costs a fortune, about 4 times what my wife pays for similar coverage, but they didn't deny me. I was 32 years old when I got that coverage and had several hospitalizations on my health record.

You have the right to contact the insurance companies and ask for a detailed reason why they denied you. It may be something else on your record. I contacted Transamerica and asked why my rate was so high and they simply replied "Crohn's Disease".
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