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Does UC make it difficult to get life insurance?

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Ulcerative Colitis
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Posted 4/23/2008 6:05 PM (GMT 0)
I just applied for life insurance. Does anyone know if UC makes it hard, or more expensive, to get life insurance coverage?

(I vaguely remember this being discussed before but I couldn't find the thread by searching)
Posted 4/23/2008 6:10 PM (GMT 0)
I had no problem getting life insurance and I don't think there was any increase in costs. I did have trouble getting long term disability because I had a hospital stay within the last five years. I was denied coverage.
Posted 4/23/2008 6:10 PM (GMT 0)

I'll just tell you my experience. The life insurance co. offerred up to a $100,000 with no physical exam or medical history. However, if you wanted more you had to get a blood test and give your medical history. Once they found out I had UC they told me I could still get insurance but the rates were going to be like 4 or 5 times the amount of my husband's rate. Had I known then what I'd known now I would have gone for a $100,000 policy just to have a little something.

Posted 4/23/2008 6:14 PM (GMT 0)

Here is my story. I had life ins. I just wanted to up the amount of coverage I had. I was denied because of having UC. They would not up my coverage. They couldn't drop the coverage I had but my dx. did eliminate me for any increase. So I would say the answer to your question is they will either not give you coverage or will certainly charge you more. The strange thing about this was that the ins. salesman also had UC so he was very understanding but could do nothing about getting me the increase.

 I wonder though if you have to tell them?

Posted 4/23/2008 6:31 PM (GMT 0)
In Canada (at least in Alberta) it's basically impossible, but according to my insurance guy, it's getting harder and harder to get legit life insurance now a days, and he even told me that they really take family history into consideration now, so because I have CD my kids might be denied life insurance because of their chance (although not that large according to stats) of getting CD is there.

I'm talking legit insurance where they ask questions and take urine/blood from you, not the "no questions asked" kind as I'm told there is no guarantee they'll pay out like the legit kind will.

:)
Posted 4/23/2008 6:38 PM (GMT 0)
the cost of my life insurance was supposed to go down after having the policy for 5 years without any problems with the UC. Well, when it was 5 years and I hadn't had any problems, was not even on any meds, I called and asked about the price going down. They told me that the only way they would lower the cost of my policy was if I had my colon removed. What I said to them was pretty much X rated..............Talk about complete morons............And this was before my last flare which began a little over 2 years ago. They have these idiot underwriters who look at a medical journal and make these decisions. At the time I told them even if I chose to have my colon removed, there wouldn't be a reputable doctor who would do it considering I was in a very long remission..
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