If you need life insurance and have colitis, we can help at iLL. We specialise in helping people with a range of long-term inflammatory bowel conditions such as colitis to find cover that is just right for their circumstances. We put your details before a network of approved impaired life insurance specialists, so that you can quickly find the best colitis life insurance policy at a great price.

Living with colitis

Colitis, known otherwise as ulcerative colitis, is an inflammatory condition affecting the colon and rectum. It causes inflammation in both the large intestine (the colon), and the rectum (the end of the bowel). Colitis forms small ulcers on the lining of the bowel, which can bleed and become infected. This leads to a range of symptoms including frequent diarrhoea (that sometimes contains mucus or blood), stomach cramps and pain, and hypersensitivity of the bowel, in which a person experiences a need to empty their bowels more frequently. Fatigue, weight loss and a loss of a desire to eat are other symptoms.

Symptoms of colitis can vary depending on the individual. The condition can have a detrimental impact on a person’s quality of life. Some people experience severe symptoms of colitis, while others experience more mild-flare-ups. People with severe colitis experience painful mouth ulcers, a high temperature, itchy, red and swollen skin and irritated eyes. Stress can be a big cause of a colitis flare-up.

A range of medications can be administered to help sufferers cope with symptoms. In extreme cases, surgery may be required.

Finding the right insurer for colitis life insurance

If you’re struggling to find the right colitis life insurance for your needs and wonder whether you will be accepted for cover, we can help. Some insurers can be cautious about accepting applications, but there are many insurers out there who will. All insurers have to underwrite applications they receive from customers looking for colitis life insurance, and need to manage their level of risk.

At iLL, we can help you find the right insurer for your personal circumstances.

Costs for colitis life insurance premiums

Colitis is considered by insurers to be a long-term medical condition. Your premiums will depend on the severity of your colitis, when you were first diagnosed, how often you have flare-ups, any medications and treatment you are undertaking, when your last flare-up was, and whether your condition affects your ability to do normal tasks or go to work.
Prices from insurers will vary depending on who you speak to. iLL can help you to compare the market and find the best colitis life insurance specialist for your needs.
You may find that a loading fee is applied to your policy. This is an increase on the price you pay as a premium, depending on your level of risk to an insurer. For instance, if your condition is severe, you have frequent flare-ups, you have had substantial amounts of time off work and you have other underlying health conditions, an insurer may take the view that there is a risk that you might make a claim to an insurance company in future. A loading fee may therefore be applied to cover this risk.
At iLL, our specialist impaired life insurance partners and comparison service can help you find the right FCA-regulated life insurer that suits your needs, helping you to compare prices and find the best deal on cover. It’s quick and easy to get your quote.

Get your colitis life insurance quote

Which companies offer colitis life insurance?

iLL works with many of the UK’s leading colitis life insurance providers. With our panel of FCA- registered impaired life insurance specialists, you can receive quotes from more than one colitis life insurance broker. Just submit your details through one of our quick and easy online forms to receive quotes and be specially matched against the UK’s leading FCA-regulated insurance providers. This should help you to find:

  • Colitis life insurance at a price that works for you
  • The correct amount of cover to suit your financial needs
  • An insurer with a comprehensive understanding of colitis

Get your colitis life insurance quote

Further cover for colitis life insurance

Critical illness cover for colitis sufferers

If you apply for critical illness cover, this ensures that a sum is paid out in the event that you are diagnosed with a critical illness such as cancer. This lump sum can be spent however you wish – to pay bills, pay off debts or a mortgage, or to make lifestyle modifications to your home that are in line with your illness. If you suffer from colitis, it is unlikely that you will be covered for any pre-existing medical conditions or conditions that are gastrointestinal, but there are many insurers that offer cover for other illnesses such as cancer.
iLL’s policy comparison service can help you find the right cover. Every person’s needs are different, so fill in our simple form to get matched with a quote from the right approved and vetted insurer.

Further information

For more information, help and support about colitis, visit the following links:

Crohn’s and colitis UK

Guts UK

If you have an impairment such as colitis, it can be difficult to know where to find the best price and insurer for your circumstances. iLL makes the purchasing of life insurance a quick and straightforward process. Just fill in our easy 30-second form with your details to be referred to our specialist impaired life insurance partners for colitis life insurance. Our free service can help you find the most comprehensive cover at the best price.

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