Ulcerative Colitis Life Insurance
If you have been diagnosed with Ulcerative Colitis, you may have been quoted very high premiums or even refused Life Insurance altogether.
Knowing where to look to find the best Ulcerative Colitis Life Insurance policy can be tricky. But as a specialist in this area, we can help!
Ulcerative Colitis is an Autoimmune condition that causes the Colon & Rectum to become inflamed. The main symptoms of the condition are recurrent diarrhoea & stomach pains, though during a flare-up, an individual could experience the following:
- Swollen & painful joints
- Painful skin
- Dry & irritated eyes
- Mouth ulcers
- Shortness of breath
- Fever
- Rapid heart rate
Can I get Life Insurance with Ulcerative Colitis
In most cases, the answer will be yes! But here’s why the process may be a little less straightforward..
The Risks Associated with Treatment
The most common forms of treatment for Ulcerative Colitis are typically steroidal or immunosuppressant. As there can be long term complications or risks from taking these medications, Life Insurance companies will often increase your premiums to cover this risk.
Duration & Severity
The impact your condition has on premiums will vary depending on how long you have suffered with the condition, and how severe your symptoms are. All Life insurance providers will therefore ask a number of questions to gain a clearer picture of your unique situation, such as:
- When were you diagnosed with Ulcerative Colitis?
- Do you still experience symptoms?
- When was your last flare-up?
- What medication do you take?
- Have you experienced any complications?
Life Insurance companies in the UK all have different underwriting guidelines so knowing where to look to get the best rates can be difficult! At Your Life Protected, we specialise in securing Life Insurance for people with Autoimmune conditions such as Ulcerative Colitis. So if you are looking for a new Life Insurance policy, or if you already have cover but would like to see if you could reduce your premiums, give our experts a call on 01275 404 268 or request a Life Insurance quote online.
