Ulcerative Colitis And Life Insurance [2022 Guide]


Your digestive tract is impacted by the chronic condition ulcerative colitis. Although it may result in discomfort, diarrhoea, and weariness, it does not cause early death.

Because ulcerative colitis is a chronic ailment, many affected individuals also face a higher chance of becoming disabled for life insurance purposes or being unable to work as a result of their illness.

In the event that you do have this chronic inflammatory bowel illness, there are things you can do right now to safeguard yourself!

Can You Get Life Insurance If You Have Ulcerative Colitis

Can someone with ulcerative colitis purchase life insurance?

This is a frequently asked query.

Around 900,000 People are affected by this dreadful disease.

There are two varieties of ulcerative colitis, for instance:

Ulcerative Proctitis ~ Only the rectum is affected by ulcerative proctitis.

Proctosigmoiditis ~ Proctosigmoiditis affects the rectum and surrounding regions.

Which affordable life insurance policy you will be eligible for will depend on which one you have and the severity of your symptoms.

Diagnosis of Ulcerative Colitis

As was made clear above, if you have proctosigmoiditis, your rates may be a little more because the carrier considers you to be at a higher risk.

Because every carrier is different, you could not be approved for coverage through a conventional life insurance policy.

There is always a different choice, like a policy with guaranteed acceptance.

You can learn everything you need to know about getting the greatest life insurance with ulcerative colitis from this post. Let’s start.

Ulcerative Colitis Life Insurance

those pressing inquiries,

Is life insurance impacted by ulcerative colitis?

Is ulcerative colitis regarded as a previous illness?

Ulcerative colitis is a pre-existing ailment, to start.

Diverticulitis is a pre-existing condition, just like gastroesophageal reflux disease.

How will my application for life insurance fare if I have ulcerative colitis? The task of the life insurance business is to evaluate the overall risk. Although ulcerative colitis is not a life-threatening condition, it can lead to other medical disorders.

Throughout the application procedure, the carrier will evaluate a variety of characteristics, including your age, height and weight, date of diagnosis, family history, etc (see below for more detailed underwriting questions.)

In light of the aforementioned, it is recommended to buy inexpensive life insurance when your health is under control. You don’t have any further serious health issues. Thus, you will pay much cheaper premium rates.

Being truthful on your application is crucial.

Ulcerative colitis does not have a “one size fits all” life insurance policy. You will be led through the procedure by your independent agent.

Putting a strategy in place while you are still in good health is the key.

Pre-Existing Condition of Ulcerative Colitis

Any health issue that has been identified as having you will be regarded as a pre-existing medical condition.

You might have been speaking to the wrong agent if your application for life insurance due to ulcerative colitis was rejected. For instance, while dealing with us, obtaining life insurance while suffering from ulcerative colitis is simple and typically results in a regular premium.

So, the answer to the question, “Can I receive life insurance with ulcerative colitis?” is yes!

Life Insurance Ulcerative Colitis ~ Underwriting 

Above all, having ulcerative colitis increases your risk of developing cancer.

The underwriters of life insurance will carefully review your medical background.

Let’s look at the questions and information that underwriters will seek from you when you apply for life insurance while having ulcerative colitis:

  • family background?
  • Age?
  • When did you last have a flare-up? Just how often?
  • How severe is your ulcerative colitis?
  • Currently a smoker?
  • You were diagnosed when?
  • Have you ever undergone surgery?
  • Do you currently take any prescription drugs?
  • When was your most recent colonoscopy, and what were the results?

Best Life Insurance Company for Ulcerative Colitis

Different carriers will view you in different ways. Each insurance company also has rules that they must abide by.

You might be offered table ratings by one carrier and standard ratings by another.

Listed here are some of our favourites:

  • With ulcerative colitis,
  • AIG (American General) Prudential Life Insurance
  • Banner Life

Disability Insurance with Ulcerative Colitis

Those who have ulcerative colitis are eligible for benefits.

Depending on the severity of your disease, you can also be eligible for social security disability benefits in addition to term life insurance or life insurance rates.

In fact, a large number of our clients now have disability insurance in addition to regular life insurance.

You might be eligible for these benefits through your employer if you are currently employed.

Be mindful. These perks are lost if you leave your employment or are fired. You won’t be covered if you need to make a disability claim.

For instance, it’s a good idea to have a disability insurance policy in addition to your standard life insurance policy, work disability policy, and other insurance policies.

What Is Ulcerative Colitis

In particular, ulcerative colitis is the most prevalent gastrointestinal ailment.

It is an inflammation of your colon’s mucosa or lining. Usually, inflammation begins in the rectum. The large intestine is affected by open sores (ulcers) brought on by the inflammation.

Although it causes bloody diarrhoea, this is a condition that resembles inflammatory bowel diseases like Crohn’s disease.

There is no known treatment for ulcerative colitis, similar to Irritable Bowel Syndrome (IBS), Celiac Disease, and Crohn’s Disease.

Is it possible to control ulcerative colitis without medication? No! See your doctor if you have any symptoms.

Symptoms Of Ulcerative Colitis

Indeed, the severity of symptoms varies from person to person. Here is a list of a few warning indicators you could encounter, for instance:

  • inflammatory colitis
  • abdominal cramps/pain
  • diarrhoea and/or frequent bowel motions
  • Loss of weight
  • Anemia
  • stools with mucus
  • Fatigue
  • Lack of appetite

Significantly uncommonr symptoms of ulcerative colitis include:

  • mouth or skin lesions
  • eye irritation
  • liver illness

Most people will experience remissions occasionally. As far as we are aware, ulcerative colitis is incurable.

In light of this, your doctor might advise you to take medicine to ease your symptoms.

Your diet has no impact on ulcerative colitis. But some meals might make your symptoms worse.

Ulcerative Colitis Life Expectancy

To be clear, ulcerative colitis is a chronic disease. You could experience serious complications and other health problems if you are not treated by a medical professional.

Having said that, you could lead a long, healthy life if managed with few flare-ups.

CLICK HERE for additional details on Ulcerative Colitis.


It is feasible to obtain life insurance if you have ulcerative colitis. But, there are a few restrictions that can complicate this. One difference between someone with UC and someone without it is that your health will be watched over more thoroughly. Moreover, illnesses like Crohn’s disease or irritable bowel syndrome may make it more difficult to receive insurance. Remember that having a disease won’t actually alter your chances of obtaining life insurance or what kind of coverage is provided for purchase if you’re unsure whether or not you’ll require long-term care services in the future (many people with chronic illnesses do). Don’t worry, we can assist by offering straightforward quotes on our website.