I was just wondering could you help? We are in the process of applying for mortgage protection and have been declined twice so far. It is just my partner that they are declining to cover and presumably this is due to his Crohns. I was just wondering do you have different companies that you apply to other than usual ones listed?
We managed to get Selina’s partner cover as we knew which insurer would be most sympathetic to her partner’s medical history.
And that’s the most important thing when you’re applying for life insurance or mortgage protection with any type of health condition:
Choose The Correct Insurer First Time Around
The underwriting departments (the dudes in the dungeon who give a yay or nay to your application) of each insurance company take different views on various illnesses.
Royal London may be very strict on applications for life insurance with IBD (including Crohn’s disease and Ulcerative Colitis) while Friends First may be much more lenient – we’d recommend you apply to Friends First…first, saving you time and hassle.
The success of your application will depend on the severity of your condition:
Localised to the caecum, with long periods of remission and no restriction on daily activities.
Affects the small and/or large intestine, some restriction on daily activities with symptoms regularly worsening – treated with oral steroids.
Widespread gastrointestinal involvement requiring hospital admissions and regular oral steroids with symptoms including fever, anaemia, severe colic, dehydration and weight loss.
Giving sufficient detail on your application form and questionnaire may avoid the need for a medical report from your doctor.
As above, the more severe your Crohn’s, the more medical evidence will be required.
Usually a medical report from your GP will be requested.
If you have been symptom-free for over 4 years, without using oral steroids and there have been no complications, you may be able to get the normal price for life insurance.
Otherwise it will depend on the severity of the condition and the date of the last major flare up.
The usual increase in price is 75% to 150% e.g if the normal price is €10 per month, you would pay between €17.50 and €25 per month.
It’s possible but as above depends on severity and when the last flare up occurred.
See above re. severity and last flare up. Your best chance of cover is 4 years after the last flare up.
Enda was postponed by another insurer. We managed to get him cover at a premium increase of +125%
If you’re considering applying for life insurance with Crohn’s disease, please get in touch using the short form below or even better complete this Crohn’s questionnaire.
I look forward to hearing from you.
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