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Posted 8/20/2009 5:26 PM (GMT 0)
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

Posted 8/20/2009 5:28 PM (GMT 0)
We used Guardian. Mine was really expensive because of the UC, but I did get covered.
Posted 8/20/2009 5:31 PM (GMT 0)
May I ask what you pay and how much coverage do you have?  Also what is your age?
Posted 8/20/2009 7:45 PM (GMT 0)
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?
Posted 8/20/2009 7:49 PM (GMT 0)
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.
Posted 8/20/2009 8:20 PM (GMT 0)
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!
Posted 8/20/2009 9:13 PM (GMT 0)
 

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. 

 

Posted 8/20/2009 9:45 PM (GMT 0)
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.
Posted 8/20/2009 10:23 PM (GMT 0)

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.
Posted 8/21/2009 1:35 AM (GMT 0)
I have a $250,000 policy thru AAA. It required no medical exams of any kind.
Costs me $60 a month.
Posted 8/21/2009 1:41 AM (GMT 0)
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!!!
Posted 8/21/2009 1:45 PM (GMT 0)

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?").
Posted 8/21/2009 4:11 PM (GMT 0)
I think we pay around 700/year for 250,000. Good luck.
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