Do you suffer from Irritable Bowel Syndrome (IBS) but still want great life insurance coverage? Well, you’ve come to the right place! The purpose of this article is to help life insurance seekers with irritable bowel syndrome, like yourself, make informed choices that will help them find the best life insurance policy that they can qualify for.
About Irritable Bowel Syndrome
Irritable bowel syndrome is a very common problem that can cause a wide range of issues in your colon (i.e. large intestine). As the name suggests, your colon becomes irritated, thus causing the problems.
Common symptoms associated with IBS will include:
- Pain in abdomen
- And a loss of appetite.
Many people (including life insurance agents) may often confuse irritable bowel syndrome with Crohn’s disease. After all, both of these conditions may present very similar symptoms.
That being said however, IBS and Crohn’s disease are two totally different diseases and will be “underwritten” by the life insurance industry completely different. This is why you’ll want to make sure that the agent that you choose to apply for life insurance coverage with fully understands your IBS and isn’t likely to confuse your medical condition with a “potentially” more “serious” condition like Crohn’s disease.
Treatment for IBS
There isn’t a treatment for IBS, but there are relief plans. Most people will try to identify what triggers their IBS and based on that information, they do things to mitigate the pain. For example, if certain foods cause your IBS to flare up, then you will probably avoid those foods. Other remedies include getting enough sleep and water. You know, the normal things that contribute to a healthy lifestyle!
Eligibility for Life insurance with IBS
We have great news! Not only are you eligible for life insurance with irritable bowel syndrome, but you’re also eligible for a preferred rate! That is…if you check out in all other areas.
Why IBS Doesn’t Negatively Impact Your Life Insurance Eligibility
Life Insurance companies look for things that will disrupt the longevity of your life – essentially, things that could cause you to die prematurely. Things like cancer or even bad driving records are riskier than IBS. IBS is uncomfortable, but it doesn’t really cause people to die younger.
If you have Crohn’s Disease, however…that’s a different story.
Other things to Consider when getting Life Insurance
Life insurance companies will look at a lot of other things beside just IBS. Those things include both lifestyle choices and health/medical issues.
Medical Issues that Impact Life Insurance
In addition to your IBS, life insurance companies will start by asking you for:
- Blood work
- Urine sample
- Medical exam
- Access to medical information
If you do not think you will do well on these things (i.e. you have a preexisting condition), then instead of getting a whole or term life insurance policy, you may want to look into getting a guaranteed life insurance policy.
If you’re not sure, these are the kind of things they will look for that could possibly hurt your life insurance rate:
- Heart conditions
- Past surgeries
- Disorders or diseases
- Mental health issues
- High blood pressure
- Predisposition to medical problems (i.e. does it run in your family)
- Prescription medications you use
Any of these things could have a negative impact on your life insurance rate.
Lifestyle Issues that Impact Life Insurance Eligibility and/or Rates
“Lifestyle” issues refer to any choices you make that could shorten your lifespan. Those include things like:
- Excessive drinking
- Bad driving
- Past felonies
- Illegal Drug use
- Smoking marijuana
- Prescription drug addiction
- Sports you play for fun
- Hobbies (do you operate heavy machinery, do motor cross racing or dive from cliffs for fun)
- Career (are you a professional race car driver, construction worker, or police officer?)
Again, anything that could indeed put your life as risk, could wind up impacting your life insurance rate. Any of the above lifestyle choices or medical issues could be more influential to your life insurance rate than irritable bowel syndrome.
Here’s the trick: not all life insurance companies will consider each of these things as high as a “risk”. For example, a life insurance company that sees marijuana use as extremely dangerous to health may not find certain surgeries to be that big of a deal. However, some life insurance companies specialize in marijuana use and give marijuana smokers a great rate…but may not necessarily go as easy on certain surgeries or diabetes.
Finding the right life insurance company…
…it isn’t easy. Especially when you don’t know the ins and outs of all the life insurance companies. That’s why the best thing you can do is turn to a life insurance expert. But make sure you turn to one that is not bound only to one life insurance company – or else they’ll be trying to sell you policies only from that company, regardless.
We specialize in helping people with risk factors like IBS to get life insurance at a great rate! We have experience with all kinds of complicated cases, and we also work with several dozen of the top rated life insurance companies in the US.
We know which life insurance companies are best for which risk factors, and who will give the best rate to whom. That’s why we should be your go-to people when looking for a life insurance company!
Want to get great life insurance at a great rate? Call JustBuryMe today!