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Life Insurance approvals with Biliary Colic (Gallstones)

Biliary colic, also known as gallbladder attack, is a common medical condition that affects millions of people worldwide. It is a painful condition caused by the inflammation of the gallbladder, which is responsible for storing bile produced by the liver. While biliary colic is not a life-threatening condition, it can lead to complications that may require medical attention.  As a result, it could potentially affect the outcome of one’s life insurance application.

In this article, we will discuss the impact of biliary colic on life insurance approvals and what you can do to increase your chances of getting approved.

Understanding Biliary Colic

Biliary colic, also known as a gallbladder attack, is a medical condition that causes sudden and severe pain in the upper-right abdomen or in the center of the abdomen, just below the breastbone. It is typically caused by the inflammation of the gallbladder, which is responsible for storing bile produced by the liver.


Biliary colic is commonly caused by gallstones, which are small, hard deposits that form in the gallbladder. These stones can block the flow of bile, leading to the inflammation of the gallbladder and causing pain.

Other factors that can increase the risk of developing biliary colic include obesity, a sedentary lifestyle, a high-fat diet, rapid weight loss, and a family history of gallbladder disease.


The main symptom of biliary colic is severe pain in the upper-right abdomen or in the center of the abdomen, just below the breastbone. The pain may be constant or come and go, and it may last from several minutes to several hours.

Other symptoms of biliary colic include nausea, vomiting, fever, chills, and yellowing of the skin and eyes (jaundice).


The treatment for biliary colic depends on the severity of the symptoms and the underlying cause of the condition. In most cases, doctors may recommend pain relievers, such as acetaminophen or ibuprofen, to manage the pain.

In cases where gallstones are the underlying cause of biliary colic, doctors may recommend surgery to remove the gallbladder. This procedure, known as a cholecystectomy, is typically performed laparoscopically, which involves making small incisions in the abdomen and using a tiny camera and specialized instruments to remove the gallbladder.

In cases where surgery is not an option, doctors may recommend medications to dissolve the gallstones or other procedures to remove the stones.

Worst-case scenario:

In rare cases, biliary colic can lead to serious complications, such as acute cholecystitis, which is a severe inflammation of the gallbladder. This condition can cause fever, nausea, vomiting, and intense abdominal pain that does not subside.

If left untreated, acute cholecystitis can lead to more serious complications, such as a ruptured gallbladder or an infection in the bloodstream. These complications can be life-threatening and require immediate medical attention.

It is important to seek medical attention if you experience severe abdominal pain or other symptoms of biliary colic, especially if the pain lasts for several hours or if you experience a fever or jaundice.

The Impact of Biliary Colic on Life Insurance Approvals

Life insurance companies take various factors into consideration when deciding whether to approve an applicant’s policy. One of the factors that can impact an applicant’s approval is their medical history, including any current or previous medical conditions. Biliary colic is one such medical condition that could affect an applicant’s chances of getting approved for life insurance.

In most cases, biliary colic is a mild condition that can be treated effectively. If the condition is mild and has not caused any long-term damage or complications, it may not have a significant (or any) impact on an applicant’s life insurance application. However, if the condition is chronic or has caused serious side effects, it could affect the applicant’s chances of getting approved for life insurance coverage.

Chronic biliary colic is a condition where a person experiences frequent episodes of gallbladder pain. This can be caused by recurrent gallstones or chronic inflammation of the gallbladder. If a person has been diagnosed with chronic biliary colic, it could raise red flags for life insurance companies, as it may indicate that the person has a higher risk of developing complications such as acute cholecystitis, which is a more serious condition that requires immediate medical attention.

Similarly, if a person has had complications due to biliary colic, such as a ruptured gallbladder or an infection in the bloodstream, it could significantly impact their life insurance application. Life insurance companies typically view such complications as an indication of increased risk, and may either deny coverage altogether or offer a policy with higher premiums or more limited coverage.

It is worth noting that life insurance companies typically take a comprehensive view of an applicant’s medical history, including the severity and frequency of their biliary colic episodes, any complications or side effects they may have experienced, and their overall health and lifestyle habits.

Therefore, even if an applicant has a history of biliary colic, they may still be able to get approved for life insurance coverage if they can demonstrate that their condition is well-managed and they are taking steps to maintain good health.

It is also worth considering guaranteed issue life insurance policies for individuals with chronic or severe medical conditions. Guaranteed issue policies do not require a medical exam, and typically offer coverage with higher premiums and lower death benefits. While these policies may not be ideal for everyone, they can be a viable option for individuals who have been denied coverage elsewhere or who have difficulty getting approved for traditional life insurance policies due to their medical history.

What Can You Do to Increase Your Chances of Getting Approved?

While biliary colic may impact your life insurance application, there are steps you can take to increase your chances of getting approved.

Get a Comprehensive Medical Evaluation

Before you apply for life insurance, it is essential to get a comprehensive medical evaluation. This will help you understand your health status and identify any underlying medical conditions that may affect your application.

A medical evaluation should include a physical examination, blood tests, and imaging tests such as ultrasound or CT scans. Your doctor may also recommend other tests depending on your medical history and symptoms.

Provide Accurate and Complete Information

When you apply for life insurance, it is crucial to provide accurate and complete information about your health status. Insurance companies rely on this information to determine your premium and coverage, and any misrepresentation can result in the denial of your application.

Therefore, make sure to disclose all medical conditions, including biliary colic, and provide all relevant medical records to the insurance company. This will help the underwriter assess your application accurately and provide you with the appropriate premium and coverage.

Work with an Independent Insurance Agent

Working with an independent insurance agent can be beneficial if you have a history of biliary colic. Independent agents work with multiple insurance companies and can help you find the best policy that suits your needs and budget.

They can also provide you with valuable advice on how to increase your chances of getting approved, such as applying for policies with lower coverage or shorter terms.

Consider a Guaranteed Issue Life Insurance Policy

If you have been denied a traditional life insurance policy due to your medical history, you may consider a guaranteed issue life insurance policy. This type of policy does not require a medical exam, and the approval is guaranteed regardless of your health status.

However, guaranteed issue policies have higher premiums and lower coverage compared to traditional policies. They are also limited to individuals within a specific age range, typically between 50 and 80 years old.

Improve Your Health

Improving your overall health can increase your chances of getting approved for a life insurance policy. While biliary colic may be a factor that insurance companies consider when assessing your application, other factors such as your age, weight, and lifestyle habits can also play a role.

Therefore, it is essential to take steps to improve your health, such as maintaining a healthy weight, quitting smoking, and exercising regularly. These habits can not only improve your overall health but also demonstrate to insurance companies that you are taking proactive steps to reduce your risk of developing health complications in the future.


Biliary colic can impact your life insurance application, but it does not mean that you cannot get approved for a policy. By taking proactive steps such as getting a comprehensive medical evaluation, providing accurate information, working with an independent insurance agent, considering a guaranteed issue policy, and improving your health, you can increase your chances of getting approved for a life insurance policy that suits your needs and budget.

Remember that life insurance is an important safety net that can provide your loved ones with financial protection in case of your unexpected death. Therefore, it is crucial to plan ahead and make informed decisions about your life insurance coverage.