Crohn's Disease Life Insurance Quotes

Yes, you can get life insurance if you have Crohn’s disease, but the process can be more complex than for a typical application.

Many factors are affected by the specifics of Crohn’s disease.

These include the monthly premium, which may be medically loaded and therefore slightly higher, depending on how much you suffer from the condition and how severe your symptoms are.

If your symptoms are minor enough to be controlled by medication or you are in remission and no longer show outward symptoms, then your premium could be raised or medically loaded.

To present an accurate figure, a normal life insurance policy for someone without Crohn’s disease might cost £28 per monthly premium.

A policy for someone with Crohn’s at a 50 per cent medical loading could cost around £42 per month, and a policy at a 75 per cent loading could cost roughly £49 per month.

Discover Providers Sympathetic To People With Crohn’s Disease – Quick Quote Form

First name*
Last name*
Amount of cover?*Choose an amount that reflects your financial needs in the event of a claim. For instance you might want to pay off a mortgage or debts, or leave a lump sum to your family
Date of Birth*Your age is one of the factors used to calculate your premium. You must be aged between 18 and 80.
DD
MM
YYYY
Email*
Phone Number*
Agree To Our T&C and Privacy*
- I Agree
By clicking Submit and ticking the box above you agree to be contacted by email or telephone by an FCA authorised insurance firm and confirm that you have read and agreed to our Terms & Conditions and our Privacy Policy .

The numbers vary by case, so these figures are estimates. The Claybrooke team has secured coverage for people at much lower rates than this.

To determine your condition’s level of severity for the policy, you will have to go through a “tele-underwriting” process with a qualified nurse practitioner before your application can be approved.

During this process, the nurse discusses your condition over the phone, asking for full information on any operations or medications you are taking or have taken.

If you prefer, this interview can be conducted face-to-face at home or another preferred location.

Additionally, your general practitioner will likely be contacted for specific medical details on your case to finish the process.

Click To Compare Quotes

The outcome of this process may be that they decide your condition is more severe than you initially thought, which would affect your monthly premium.

So, it is safe to say that you should be prepared for any outcome at the end of the underwriting process.

What if I can’t afford life insurance with Crohn’s disease?

If the offered premium is outside your budget, you can ask for a reduced overall coverage level to match it.

Considering the additional expenses associated with Crohn’s disease, most companies understand the importance of meeting every individual’s needs and, for that reason, have solutions in place to address budgetary concerns.

For example, suppose you have applied for £275,000 coverage, and your maximum monthly budget is £70.

A ‘normal’ premium might be £42 per month, and with a 50 percent medical loading, you would have a budget of £62.

However, it’s possible that after the underwriting process is completed, the medical loading is placed at 150 percent based on the severity of your condition.

This would increase your monthly premium to about £105, which is much higher than you have stated that you can afford.

You can ask for your coverage to be reduced to around £185,000, which would amount to around £70 per month.

At the very least, you have some coverage rather than none, which is still a considerable amount of money overall.

Just remember that the premium is being medically loaded to cover the increased risk that you will make a claim.

Ultimately, it is in your best interest to ensure that you and your loved ones receive adequate protection in later years.