Getting Life Insurance with Coeliac Disease

Dear sirs
I was recently diagnosed with coeliac disease (in the last 6 months). We’re in the middle of buying a house, from reading online, it looks like I won’t be able to get cover. Is this true? I’d be devastated if it was.
Thanks in advance
Rachael

Applying for life insurance with coeliac disease

Rachael is correct.

Most insurance companies won’t offer cover within a year of an immune disorder diagnosis

But we managed to arrange  cover for Rachael (she sent the above email a few months back!).

It helped that she had  no other health issues and  a supportive letter from her consultant.

But it can be a challenge getting life insurance with coeliac disease.

Luckily you’ve come to the right place.

We specialise in arranging cover for the more difficult life insurance applications.

Can you get life insurance and mortgage protection with coeliac disease?

Yes, most applicants will be able to get the normal price for life insurance with coeliac disease.

If your diagnosis was over 12 months ago and it’s under control, there shouldn’t be any problem.

But if your diagnosis:

• was in the last 12 months
• or if there is poor control
• or any complications,

you should speak with a specialist life insurance advisor to help you get the best cover.

How much will life insurance with coeliac disease cost?

The best case scenario is getting the same price as someone without coeliac disease.

You can get an indicative life insuerance quote here

Here we assume your condition is under control by diet and there are no complications.

If there are complications,  underwriting will decide how much you will pay.

What information will the insurer need?

• Age at diagnosis
• Date of last symptoms
• Any anaemia or GI symptoms
• Results of all investigations

You’ll need to complete a questionnaire. If you give detailed answers, there will be no need for a medical report from your GP.

What about serious illness cover and income protection?

You’ll get the normal price if your condition is under control with no complications.

Otherwise, it will depend on the severity of the complications.

Over to you…

As long as you are sticking to a gluten-free diet and there are  no complications, you’ll get the normal price.

If your insurer increases your premium because of coeliac disease, you should look elsewhere.

But if there have been complications, take advice from a life insurance specialist before applying.

I’d be glad to help.

If you’d like some help…there are 3 ways to get in touch

1. Click here to set up a time for a quick confidential phone call.
2. Call me on 05793 20836 during business hours.
3. If you prefer email, complete the short form below and I’ll be right back.

Nick McGowan
lion.ie | making life insurance easier