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image of doctor and patient with Crohn's disease for Quotacy blog Life Insurance and Crohn's Disease: Buyer's Guide

Does Crohn’s Disease Affect Life Insurance Rates?

January 31, 2019
Our goal is to educate and advise on life insurance options, so you can feel confident in making the right choice, whether that’s through Quotacy or somewhere else. To ensure we provide accurate and trustworthy information, our writers follow strict editorial standards.

Crohn’s disease is a type of inflammatory bowel disease that affects an estimated 780,000 Americans. While the exact cause of Crohn’s is unknown, population studies have shown that women are more likely to develop it. Crohn’s is also more common with smokers.

The first few years of being diagnosed with Crohn’s are when mortality risk is highest. In other words, the cost to buy life insurance within the first couple years of diagnosis may be quite steep. Higher premiums are needed to balance the risk the insurance company would take to insure you.

Thankfully, over the years, the life expectancy for people diagnosed with Crohn’s disease has improved due to surgical and medical treatments. This also has led to higher chances of getting approved for life insurance.

Many health conditions impact your life insurance eligibility and potential costs. Learn more about life insurance and pre-existing conditions in our guide. 

Can I get life insurance with Crohn’s disease?

The short answer:

Yes, Crohn’s disease is not an automatic decline for life insurance coverage. However, we also want to set expectations and be transparent about pricing: life insurance premiums for individuals with Crohn’s disease are going to be higher than average.

If you have Crohn’s disease, your best chances of getting affordable life insurance is to apply through a broker, like Quotacy. Brokers are not tied to one life insurance company and are able to shop the market advocating for you.

We want you to get approved and your dedicated agent will work hard to help you get coverage. Start the process by getting a free term life insurance quote or keep reading for more in-depth information about life insurance and Crohn’s disease.

Can I get life insurance if I have Crohn’s disease?

The long answer:

Individuals with Crohn’s disease can obtain life insurance but because the disease can often be unpredictable and relapsing it is unlikely you will be able to quality for preferred risk classes.

Life insurance risk classes range from Preferred Plus (the best possible offer) to Standard. Standard is the average pricing. Factors unique to every individual can cause to you to be rated better than average (preferred risk classes) or below average.

If you have risk factors that put you below the average, you will be table rated (also referred to as substandard risk). Life insurance companies want to insure as many people as possible and table ratings are used to help offset the costs of insuring someone who is considered risky.

Risk Classes
For Non-Tobacco Users For Tobacco Users
Preferred Plus Preferred Tobacco
Standard Plus Standard Tobacco
Table Ratings (Substandard)

When life insurance underwriters are evaluating the application of an individual with Crohn’s disease, they take the following into consideration:

  • Date of last major attack
  • Age you were diagnosed
  • Treatment, particularly duration and the specific medication prescribed
  • If you have required surgery
  • Extent and severity of the disease
  • If you have had any complications, malabsorption, for example

It’s important to note that if you recently had surgery to treat the condition, most insurance companies will postpone your application until at least six months has passed.

See what you’d pay for life insurance

Comparison shop prices on custom coverage amounts from the nation’s top carriers with Quotacy.

Applying for Life Insurance with Crohn’s Disease

One benefit to working with Quotacy is that we work with multiple A-rated life insurance companies. We have the ability to shop cases around to different companies to try our best to get you approved for coverage that fits your needs and budget.

Our in-house underwriter has worked in many carrier home offices, knows how to navigate each individual’s health history, and knows which life insurance company would be the best option for your individual case. If you are ready to buy life insurance coverage, get a term life insurance quote now and let’s start the process.

If you have any questions regarding underwriting Crohn’s disease, feel free to contact us or jot us a message in the Comment section below. If you are looking to get an idea on the cost of life insurance if you have Crohn’s, it costs nothing to run a quote and apply online. You will have a dedicated Quotacy agent shop your case with our top-rated life insurance companies to ensure you receive the best possible price.

Unsure how much coverage you need? Try our life insurance needs calculator.


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