Life Insurance With IBS [2022 Guide]


People with IBS are frequently informed by their insurance provider that they are not insurable. It is true that life insurance policies are frequently more expensive if you have pre-existing conditions, which is often the cause for many people.

For those who experience IBS, there are still options available! Let us help you find out how we can get your best rates on life insurance coverage today!

I Have Irritable Bowel Syndrome (IBS) Can I get Life Insurance

Simply put, Yeah!

Irritable bowel syndrome (IBS) sufferers can purchase life insurance right now!

It’s possible that the life insurance provider will view you as a high risk.

IBS and other GI conditions including diverticulosis/diverticulitis, Crohn’s disease, ulcerative colitis, and celiac disease are quite similar.

itself in a manner that is entirely different from that of gastroesophageal reflux disease (GERD), although all of the aforementioned ailments are related to digestive disorders. in addition to being treated seriously.

Hence, your premium may increase based on how severe your irritable bowel syndrome is.

Are you controlled?

Are there any additional health risks?

Now let’s dig, dipper.

Getting Life Insurance With Irritable Bowel Syndrome (IBS)

What will the underwriters be looking for when they review my application?

Your medical background will be requested by the life insurance company and underwriters. especially because IBS is a pre-existing medical illness and is regarded as high risk.

They will primarily inquire about the following:

  • When was IBS first identified in you?
  • What prescription drugs do you now take?
  • Have you undergone any procedures for this illness?
  • What tests, if any, did you have, and what were the results?
  • When did your most recent flare-up occur in your history?
  • Has your IBS diagnosis led to the development of any other medical conditions?

Answering honestly to all questions is crucial to understand.

How Irritable Bowel Syndrome (IBS) Can Affect Your Life Insurance

It goes without saying that having IBS will only effect your life insurance if you also have other medical issues as a result of your IBS.

These ailments and your prescription drugs will be taken into account by the insurance provider.

Will I continue to be covered? YES! Each carrier will view a person differently. Also, every carrier has its own set of rules.

Speak to your independent agent right now. They are aware of the ideal carriers for this medical issue. They do the job for YOU. You’ll receive the most reasonable prices from your agent!

Will I Be Declined Life Insurance With Irritable Bowel Syndrome (IBS)

Will life insurance companies refuse to cover me if I have IBS? You can be turned down for a term life insurance policy or a conventional life insurance policy if you have IBS and other serious medical conditions.

However, do not fret! Options include simplified whole life insurance, no medical exam life insurance, and finally, assured acceptance life insurance.


Is IBS A Pre-Existing Condition In Life Insurance

What is impacted by IBS? The large intestine is impacted by IBS. IBS is a chronic disorder as well. IBS is not brought on by stress. Your IBS symptoms will be impacted by stress, though.

IBS symptoms resemble those of other gastrointestinal disorders, like Crohn’s disease, as we have already mentioned.

IBS is an inflammatory condition of the intestines that results in constipation, diarrhoea, and pain.

How do I control my IBS? IBS can be managed by controlling your lifestyle, including your diet and use of drugs.

Does IBS Affect Life Insurance

What Kinds of Irritable Bowel Syndrome Are There? (IBS)

There are two distinct forms of IBS. constipation and diarrhoea.

IBS-D ~ stands for diarrhoea and irritable bowel syndrome. Your regular life can be severely disrupted by IBS and diarrhoea. a day with several bowel motions. Be near a restroom!

In fact, IBS was really discovered in 2002, two weeks after my last kid was born, when my gallbladder was removed.

It was difficult for me to get life insurance. I was, of course, accepted. In fact, YOU can do it too!

IBS-C ~ Irritable Bowel Syndrome with Constipation is sometimes known as IBS-C. Constipation and IBS present similar challenges. bloating and increased stomach pain.

As can be seen, both types of IBS can negatively impact your quality of life over the long run.

On the down side, in addition to the physical discomfort you experience, it might make you feel melancholy.

What Are The Signs And Symptoms Of Irritable Bowel Syndrome (IBS) 

Irritable bowel syndrome symptoms can be extremely crippling. Cramps, bloating, excessive gas, diarrhoea or constipation, rectal bleeding, weight loss, anaemia, iron deficiency, and weight loss are some of the symptoms.

Doctors are also unsure about what causes IBS.

IBS therapies can therefore be a trial-and-error process. In addition to diet modifications, some doctors will consider medications.

In actuality, ten different people could all have the same IBS-D, but each of them would respond differently to therapy.

IBS has no known cure after it has been identified as a medical problem.

Do you know…

IBS diagnoses in women are more prevalent in the United States.

In general, IBS is influenced by family history.

IBS diagnosis also depends on a person’s mental health. Health problems like irritable bowel syndrome have a strong correlation with anxiety and sadness.

Also, because lactose intolerance is a common complication of IBS, it is possible to develop it.

What Is A FODMAPS Diet

Which diet is most suitable for those with IBS?

One diet that many gastroenterologists highly recommend is the FODMAPS diet. Researchers from Monash University developed FODMAPS.

FODMAPS is an acronym for:

Fermentable ~ gut bacteria ferment undigested carbohydrates to produce gases.

Oligosaccharides ~  fructans found in wheat, rye, onions, garlic, and legumes.

Disaccharides ~ lactose found in dairy products such as milk, cheeses, and yogurt.

Monosaccharides ~ fructose found in honey, apples and all high fructose corn syrups.

Polyols ~ sorbitol, and mannitol.  Found in some fruit and vegetables. Used as artificial sweeteners.

What foods are allowed on a FODMAPS diet? The diet consists of strictly low FODMAPS foods for two to six weeks. Each meal will be gradually reintroduced after this time to determine what sets off your digestive system. CLICK HERE for more details about FODMAPS.

CLICK HERE for additional details on IBS and its symptoms.


Life insurance might be an excellent strategy to safeguard your family’s financial future if you have IBS. Yet, when the time comes to purchase the coverage, you’ll want one that will accommodate your unique condition. To prevent preexisting disorders like IBS and other illnesses from affecting the cost of coverage or the type of payment supplied in the event that something were to happen to you, you should put in place an individual plan for each preexisting ailment. What concerns regarding choosing the best kind of life insurance do you still have? Call (855) 380-3300 to get in contact with our staff right away! We are here around-the-clock to assist in resolving any issues that may emerge as you travel through life, including safeguarding those who are ultimately most essential.