Do you have coeliac disease and an increased risk of microscopic colitis or inflammatory bowel disease? Are you trying to find affordable life insurance cover that won’t break the bank? At iLi we specialise in helping people with more challenging medical conditions like yours to easily find cover that protects them and their families. Our unique comparison service and network of approved impaired insurance specialists can help you find the right insurer for your needs.
If you have coeliac disease, you suffer from an autoimmune condition in which your small intestine doesn’t currently absorb nutrients from the food that you’ve eaten. Common symptoms include bloating, abdominal cramping, pain and diarrhoea. Coeliac disease is caused by the body’s reaction to gluten, which is found in cereals such as rye, wheat and barley. It is also found in cakes, pasta, cereals, gravy, sauces and ready meals.
People who have coeliac disease are at an increased risk of developing microscopic colitis, and ulcerative colitis (Crohn’s disease). If you have microscopic colitis, this is an inflammation of the large intestine. Crohn’s disease affects the digestive tract, causing it to become inflamed.
Insurers offer cover for people with an increased risk of colitis because of coeliac disease. Policies offered will generally depend on the severity of your symptoms and when you were first diagnosed.
With so many policies and insurers to choose from, it can feel overwhelming to try and find the right colitis and coeliac life insurance cover for your needs. Some insurers can be cautious about accepting applications. All insurers have to underwrite applications they receive from customers looking for colitis and coeliac disease life insurance, and need to manage their level of risk. If you suffer from frequent flare-ups and struggle with your colitis and coeliac disease symptoms, you may require a specialist insurer. iLi’s comparison service can help you find the right insurer for your personal circumstances.
Your costs for premiums for colitis and coeliac life insurance will depend on when you were first diagnosed, how many flare-ups you have and their severity, whether you take medications or have sought treatment, and whether you are able to work as a result of your condition. This will determine the level of risk you pose to an insurer. Some insurers may offer cover on standard terms.
If your condition is more severe, you may be offered cover with greater premiums to cover your element of risk.
Prices from insurers will vary depending on who you speak to, which is why iLi is the best place to find the right impaired colitis and coeliac life insurance specialist.
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 cannot control your symptoms, your condition impacts on your ability to work and there is a great likelihood of you making a claim to an insurance company in future, a loading fee may be applied to cover this risk.
At iLi, 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. It’s quick and easy to get your quote.
iLi works with many of the UK’s leading colitis and coeliac life insurance providers. With our panel of FCA registered impaired life insurance specialists, you can receive quotes from more than one 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:
– Affordable colitis and coeliac life insurance cover at the right price
– A policy with the right amount of cover that suits your requirements
– An approachable insurer that understands colitis and coeliac disease
Critical illness cover for colitis and coeliac disease sufferers
Insurers generally process applications for critical illness cover in the same way that they do for life insurance. If you have coeliac disease and suffer from colitis, the details of your condition will need to be provided to the insurer. The insurer is likely to request details of medications you take, treatments undertaken, when you were initially diagnosed, and how many flare-ups you experience per month. If you are taking mild medications and your condition is under control, you may be offered cover on standard terms. If your condition is more severe, you may have your premiums increased.
iLi’s policy comparison service can help you find the right cover. Every application is assessed differently, so fill in our simple form to get matched with a quote from the right approved and vetted insurer today. Our quick and easy service saves you time and the hassle of searching the market for the right policy.
For more information on colitis and coeliac disease, visit the following links:
If you have an impairment, you may be wondering where to find the best price and life insurance policy for your circumstances. At iLi, we like to save you money and make the purchasing of life insurance simple and straightforward. Fill in our easy 30-second form with your details to be referred to our specialist impaired life insurance partners for colitis and coeliac life insurance.