We know how awful irritable bowel syndrome (IBS) is, being prone to constipation, alternating sometimes with diarrhoea, constantly feeling like a beast has taken up residence in your gut.
That’s where we come in.
We’re Ireland’s specialist life insurance advisor which means we know which insurer to approach if you have IBS saving you time, hassle and most importantly money.
The good news is that most people with IBS can qualify for life insurance without having to pay extra.
IBS is extremely common, affecting as many as one in five of our population. It’s most common in people in their 20s and 30s, and affects more women than men. In some people irritable bowel syndrome is a mild annoyance, while in others it can be much more serious.
As it’s so common, the life insurance companies can give a decision quickly once you have the relevant deets…
Using a questionnaire, the insurer will look for the following information:
If you can give clear answers, there will be no need for further medical information.
But if your answers are vague, the insurance company may request a medical report from your GP.
If your IBS is well controlled, you shouldn’t have to pay extra because of your IBS. You should qualify for the normal price – compare the best life insurance quotes here. But life insurers can differ in the view they take on IBS – so make sure you apply to the most sympathetic insurer.
If you have a more serious type of IBS, you may find that some insurers are unwilling to offer you coverage, or they could expect to you pay a loaded premium. Again, make sure you give yourself the best chance of getting the lowest price by applying to the most understanding insurers.
This changes regularly as the underwriting departments at the various insurers change their rules. We’ll check with all of the insurers to make sure you get the best price with the least amount of hassle.
Don’t let your health condition discourage you from applying for Life Insurance or Mortgage Protection. Cover is available if you do your homework and use a specialist broker…with knowledge of the whole market.
That’s why I’m here, to guide you through the whole journey. From beginning to end.
There are quite a few insurers in Ireland, which means that you could spend ages stuck on the phone, pressing one for this, two for that, feeling your life slowly ebb away. And when you finally get to speak with someone they haven’t a clue about how your condition will affect your application. They’ll send you a 20 page form to complete, cross their fingers and hope for the best.
Instead, let me do all of that hard work for you. Calling me is like contacting all 6 insurers at once. Where else can you get this kind of service?
Give me a call for a confidential chat on 05793 20836 or if you prefer, complete this questionnaire and I’ll be right back.
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As Ireland's leading independent insurance broker, we specialise in comparing the rates and policies from the top five Irish life insurance providers and offering the very best value quotes to suit the individual needs of our clients. Our expertise lies in finding a suitable insurance plan for those with specific needs, be it a particular illness, occupation or claim history, we've got you covered in every sense!