When applying for life insurance coverage, the insurance company’s underwriters will want to know as much as possible regarding your health and your overall health history. This will typically involve the completion of an application, as well as you undergoing a medical examination.
For most people who are in relatively good health, applying – and qualifying for – life insurance, is typically not an issue. But, for those who have certain types of medical issues such as celiac disease, it can often entail a bit more work to find a policy.
The good news is that working with a specialist in the high risk life insurance area can help you to substantially shorten the time that it takes to find a life insurance carrier that will take on someone with certain health conditions, such as someone with diabetes – in turn, allowing you to obtain the coverage that you need for protecting those you care about.
How Celiac Disease Can Affect Your Life Insurance Application
Any life insurance coverage application may ask for at least some type of information that is required by the insurance company. However, when you have certain health issues like celiac disease, the underwriters will also need to know more in-depth details. This is because various health conditions can have more of an effect on your overall health, which in turn, could affect your life in general.
Celiac disease is considered to be a type of autoimmune disorder. This condition is genetically predisposed in individuals where the ingestion of gluten can lead to damage in their small intestine. Across the globe, celiac disease is estimated to effect roughly one in 100 people. However, 2.5 million Americans are thought to be undiagnosed with this particular condition – and because of that, these individuals may be at risk for longer-term health issues.
When a person who has celiac disease eats gluten – which is a protein found in barley, rye, and wheat – his or her body will incur an immune response that essentially attacks the individual’s small intestine. These attacks can, in turn, lead to damage – which may then lead to nutrients not being properly absorbed into the body.
Celiac disease can come on at any age. And unfortunately, this disease can lead to some serious health conditions – especially if it is left untreated. For example, it could lead to issues such as Type 1 diabetes, MS (multiple sclerosis), anemia, dermatitis herpetiformis, infertility, migraines, intestinal cancers, gall bladder malfunction, vitamin and mineral deficiencies, and even neurological conditions.
At this time, the only treatment for celiac disease is adhering to a gluten-free diet. This means strictly avoiding foods that contain wheat, barley, and rye. In some cases, even ingesting a small amount of gluten such as bread crumbs can trigger damage to the small intestine.
Depending on the severity of a person’s celiac disease, life insurance may be somewhat challenging to obtain. The good news is, though, that by working with a high-risk life insurance specialist, you can substantially cut down on the time that it can take to find the right policy can carrier.
What the Insurance Company Will Want to Know About You
When starting out with the life insurance application process, it will be necessary to fully complete an application for coverage. This will require that you provide some of the more basic details such as your name, contact information, gender, and health information and history. It will also ask for information regarding your:
- Marital Status
- Smoking Status
- Habits / Hobbies
- Family Health History
- Medications Taken
- Foreign Travel
- Other Life Insurance In-Force (and the amount of coverage)
The life insurance underwriters will also want to know more about your celiac disease in particular. Therefore, it is likely that you will also be asked more in-depth questions, such as some or all of the following:
- When were you initially diagnosed with celiac disease? Although celiac disease can be a long-term health issue, the good news is that it can be managed and controlled through proper diet. The longer a person has had this condition, however, the more it can increase the likelihood of complications. If, however, you only have occasional symptoms, there is a good chance that you will not only qualify for life insurance coverage but also that you could qualify with a Standard policy rating.
- Do you take any medication to help in managing or controlling your celiac disease? If so, what type of medication to you take, and what is the dosage? The need for medication could be an indication that you are not managing, or you are not able to manage; you condition through proper diet. Because of this, you may not be able to qualify for a Standard policy rating.
- Have you experienced any celiac disease symptoms within the past six months? Typical symptoms of celiac disease can include diarrhea, bloating, and / or discomfort in the abdomen. Having frequent flare-ups could be reason for the insurance underwriters to place your policy into a Mild Substandard category.
- Do you have habits that could be risky to your health, especially as it relates to your celiac disease? Certain habits, such as eating wheat and other “trigger” foods may promote your condition further. Other lifestyle habits such as smoking and / or drinking alcohol may also do so. This, too, could place your life insurance policy into a Mild Substandard category.
- Do you visit your gastroenterologist regularly for check-ups? If you regularly visit your gastroenterologist for check-ups, it will be a good sign to the life insurance underwriters that you are working to manage and / or control your celiac disease condition.
In addition to the information that the underwriters will require, you will also likely need to undergo a medical examination. This will only take about 30 minutes, and it will entail meeting with a paramedical professional, or “paramed.”
This individual will typically meet with you either in your home or your place of business or in another convenient location for you. During this exam, you will likely be asked more health related questions. You will also be asked to submit a blood and a urine sample. These samples will typically be tested by the life insurance company for certain types of health-related issues that could be cause for risk or claim.
How Much Will Your Policy Cost If You Have Celiac Disease?
There are many different factors that will determine the overall premium cost of your life insurance policy. These will include the type and the amount of life insurance that you are applying for. Your overall health will also be a factor.
Should it be determined that your policy is a Standard, then the premium that you will be charged will be in line with that of the other “average” policyholders who are of your same age and gender. If, however, you are placed into a Substandard policy class, then your premium amount will be more than that of the average, or Standard, policyholder.
Where to Find the Best Life Insurance Premiums with Celiac Disease
When seeking the best life insurance premium rates – especially if you have a health issue such as celiac disease – it is typically wise to work with an independent agency or company that has access to more than just one life insurance carrier. This way, you will be able to compare from several different companies and policies, and from there you can determine which will be the best for you and your specific situation.
If you are ready to move forward in searching for a life insurance policy, and you have celiac disease, we can help. We work with many of the best life insurance carriers in the marketplace today, and we can assist you with obtaining all of the important details that you will require in making an informed purchase decision. We can do so for you quickly and conveniently – all from your home computer – and without the need to meet in person with an insurance agent. All you need to do is just simply fill out the form on this page to get a quote started.
Should you find that you still have any questions regarding qualifying for life insurance with celiac disease – or even if you just simply have a question about life insurance in general – our experts are happy to help. Please feel free to contact us directly via phone, toll-free, by dialing 888-229-7522.
We understand that the purchase of life insurance may seem a bit overwhelming – especially if you’ve been turned down in the past. Having any type of health condition may make it appear to be more difficult to qualify. But the good news is that today, you have many more options that are available to you. And, you also have an ally on your side. So, contact us today – we’re here to help.