Do you have ulcerative colitis? Are you wondering where you can get cover for life insurance? iLL specialises in helping people with long-term inflammatory bowel conditions such as ulcerative colitis to find the right insurer and policy for their needs. We put your details before a network of approved impaired life insurance specialists, so that you can easily find the best policy at an affordable price.
Ulcerative colitis is an inflammatory condition of the bowel. It affects the large intestine (the colon), and the rectum (the end of the bowel), causing inflammation in both areas. The condition causes 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, pus or blood), stomach cramps and pain. A sufferer can also experience a need to empty their bowels more frequently, known as hypersensitivity. Fatigue, weight loss and a lack of appetite are additional symptoms.
Depending on the severity of a sufferer’s condition, symptoms of ulcerative colitis can vary. In extreme cases, the condition can greatly affect a person’s everyday life and ability to perform simple activities. People with severe ulcerative colitis experience painful mouth ulcers, a high temperature, itchy, red and swollen skin and irritated eyes. Stress is a major cause of an ulcerative colitis flare-up. Different medications can be prescribed to help sufferers cope with symptoms. In some cases, surgery may be required to remove a part of the bowel. There is currently no cure for the condition.
If you are wondering whether or not you will be accepted for ulcerative colitis life insurance, we can help. Some insurers can be cautious about accepting applications, but there are many insurers that will offer cover. All insurers have to underwrite applications they receive from customers looking for ulcerative colitis life insurance, and need to manage their level of risk. At iLL, we can help you find the right insurer for your needs – just fill your details into one of our quick and simple forms to be matched with insurers that are offering suitable cover.
Ulcerative colitis is considered by insurers to be a long-term medical condition. Your premiums will depend on the severity of your condition, how often you have flare-ups, when you were first diagnosed, 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 maintain employment.
Prices from insurers will vary depending on who you speak to. iLL can help you to compare the market and find the best ulcerative 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, with frequent flare-ups that have caused you to take substantial amounts of time off work, your case may be considered to be of a higher risk to an insurance company. 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 cover.
iLL works with many of the UK’s leading ulcerative colitis life insurance providers. With our panel of FCA- registered impaired life insurance specialists, you can receive quotes from more than one ulcerative colitis life insurance broker. Enter your details into one of our 30-second online forms to receive quotes and be specially matched against the UK’s leading FCA-regulated insurance providers. This should help you to find:
Many insurers will accept applications from people with ulcerative colitis seeking critical illness cover in the same way that they would for life insurance. This will however depend on your circumstances and the severity of your condition. If you suffer from ulcerative colitis, it is unlikely that you will be covered for any pre-existing medical conditions or conditions that are gastrointestinal. A critical illness policy should however cover you 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.
For help and support about ulcerative colitis, visit the following links:
Crohn’s & Colitis UK
Having a medical condition such as ulcerative colitis can make it difficult to know where to find life insurance without paying hefty premiums. 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 ulcerative colitis life insurance. Our comparison service is quick, simple and free to use.