Ileitis is a health condition that affects the small intestine. This condition can be chronic. It causes inflammation of the portion of an individual’s small intestine that is known as the ileum – which is also often referred to as the ileocolitis.
The condition is actually considered to be a type of Crohn’s disease, and it affects only the area of the ileum where the final action in salvaging fluids, nutrients, and electrolytes takes place prior to the final emptying of the colon.
Some of the most common symptoms of the condition will typically include a chronic history of diarrhea, pain in the lower right quadrant of the abdomen, a low grade fever, an increase of blood WBC, and at times, a palpable mass in the lower right side of the abdomen which is due in large part to a swelled colon.
If you have Ileitis and you’ve been turned down for life insurance in the past, there is good news. It is possible to qualify for traditionally underwritten coverage. However, in order to do so, you have a much better chance when working with a company that specializes in higher risk cases. That being the situation, we can help.
What the Life Insurance Underwriters Want to Know When You Have Ileitis
While this condition is not considered to be life-threatening in and of itself, by letting it go unmanaged, it can lead to more serious health conditions – which can increase the risk of claim to a life insurance company.
Some of the questions that the life insurance underwriters will typically ask you regarding your ileitis condition will include the following:
- What year were you diagnosed with Ileitis? The underwriters need to know because detecting this condition early can lead to better control of the condition – which could help you to obtain a Standard rating on a life insurance policy. By not keeping the condition under control, however, a mild substandard, or even a medium substandard rating is more likely.
- Do you know what factors trigger your ileitis symptoms? The underwriters will also need to know which factors tend to trigger your ileitis symptoms. This is because this knowledge can also help you to better control your condition. For example, you can stay away from foods that trigger the factors of diarrhea, and in turn, eliminate the risk of additional complications of the condition.
- Have you had any surgery due to this condition? In some cases, individuals have undergone surgery to remove bowel obstructions due to their ileitis condition. The underwriters will need to know if you have had any type of surgery that is related to your condition. Having a positive prognosis following the surgery could lead to a medium substandard, or even a mild substandard life insurance policy rating.
- You’ll need to list out the prescriptions you currently take. Some medications that are commonly prescribed for ileitis include antispasmodics and/or antidiarrheals. By keeping to a medication schedule that has been prescribed by your doctor, you are showing that you are taking an active role in controlling your condition – which could lead to a mild substandard, or even to a standard policy rating.
- Over the past 6 months, have you experienced any severe symptoms of your ileitis? The underwriters will need to know if you have experienced any of the severe symptoms that are associated with ileitis within the past 6 months. Some of these may include severe pain in the right lower quadrant of your abdomen, and/or excessive diarrhea. If you have experienced one or both of these, it could be a sign that you have an underlying medical issue that will require additional medical evaluation. With this in mind, it may be necessary to wait before moving forward with your life insurance application.
- Over the past 6 months, have you undergone any type of endoscopic testing that is related to your condition? If you have undergone any type of endoscopic tests that are related to your ileitis, it will be important to let the underwriters know this – as well as to share the results of this testing with them. This information can provide additional information for them to assess the overall health of your colon and ileum.
These questions are all apart of the medical exam process that also includes things like blood pressure tests, blood sample and urine sample.
All of your answers, the results from the medical tests, and information gathered during the application process will be reviewed by the underwriter at the company’s home office. They then will hand down a decision on your approval and what your final premium will be.
How to Increase the Chance for Life Insurance Approval
In order to help with increasing your chance for life insurance approval with ileitis, you’ll need to look for an agency or agent that will give you quotes from multiple life insurance carriers.
Our company is able to help you do that, so when you’re ready to begin the process, simply get started with our quote box to the left!