This is personal to me. You see, my Mom suffered from Ulcerative Colitis and still has problems related to the surgeries she has undergone. In this article we want to assure you that having Crohn’s Disease or Ulcerative Colitis, while outside of some rare circumstances, you can easily get yourself burial insurance with Crohn’s Disease or Ulcerative Colitis from almost every burial insurance company.
Crohn’s & Ulcerative Colitis: Know the Difference?
Crohn’s disease and ulcerative colitis have a lot in common, including long-term inflammation in your digestive system. Both are Inflammatory Bowel Diseases. But they also have some key differences that affect treatment.
Also, realize that Colitis is not the same as Ulcerative Colitis. Colitis refers to an inflammation of the colon, whereas Ulcerative Colitis is a condition in which you have ulcers in the lining of your colon along with inflammation. It is incredibly painful.
The symptoms of both diseases are quite similar. They can include:
- Belly cramps and pain
- An urgent need to have a bowel movement
- Feeling like your bowel movement wasn’t complete
- Rectal bleeding
- Smaller appetite
- Weight loss
- Night sweats
- Problems with your period. You might skip them, or their timing might be harder to predict.
What Set’s Crohn’s Disease and Ulcerative Colitis Apart?
Ulcerative colitis affects only the large intestine.
However, with Crohn’s disease, inflammation can appear anywhere in the digestive tract, from the mouth to the anus.
People with Crohn’s disease often have healthy areas in between inflamed spots. With ulcerative colitis, there are no healthy areas in between inflamed spots.
Which layers are effected.
Because Crohn’s disease affects more of the GI tract, it can cause some problems that doctors don’t usually see in people who have ulcerative colitis. For example:
- Mouth sores between the gums and lower lip, or along the sides or bottom of the tongue.
- Anal tears (fissures), ulcers, infections, or narrowing.
In my Mom’s case, her diagnosis was Ulcerative Colitis. She would have flare-ups, which is also common with Chrohn’s. She was in her 40’s when she was diagnosed. She was prescribed Prednisone off and on for years and ultimately had a two-part surgical procedure to replace her entire large intestine with a synthetic one (known as a J-Pouch).
There are medications that help those with both diseases, but many end up needing surgery… 45% people with ulcerative colitis and three quarters of people with Crohn’s.
How will Having Either Crohn’s Disease or Ulcerative Colitis Affect Your Ability to Get Burial Insurance?
Having Crohn’s or Ulcerative Colitis (UC) and getting burial insurance is really very simple, in fact. Let’s explain just how affordable it can be.
In this article, we will break down how insurance companies underwrite this condition, what you will qualify for, and how to find the best policy.
The Truth About Getting Burial Insurance With Crohn’s Disease or Ulcerative Colitis
Crohn’s Disease or Ulcerative Colitis can make your life unbearable. The good news is that it truly doesn’t have much of an impact when it comes to qualifying for a burial insurance plan.
Most people who suffer from either of these diseases are treated quite fairly by final expense insurance carriers.
Doctors appointment are simply part of life when you have Crohn’s Disease or Ulcerative Colitis. With all that you have had to worry about with either of these conditions, rest assured. When you apply for burial insurance, you will not be required to see a doctor.
No medical exam, and no doctor records. We make it simple. Just fill out some basic questions about your health. That’s all! In the majority of situations for those who have suffered with either Crohn’s Disease or Ulcerative Colitis, we receive an approval within minutes of submitting your application.
While Crohn’s Disease and Ulcerative Colitis is beyond harsh and painful on one’s life, it won’t obstruct your ability to get low cost burial insurance. The insurance companies, do not view these diseases as high risk.
How Exactly do Burial Insurance Companies Underwrite Crohn’s Disease & Ulcerative Colitis?
Burial insurance carriers require some key information about you in order to determine if you qualify.
The Insurance Companies use two primary devices to gather they information they need about your health to see if they will accept you or not.
- Health questions
- The MIB… a pharmacy report to view what medications you have filled
The Health Questions
The health questions for a burial insurance application are the utmost source of your health-related information. Answer truthfully! It is not in your best interest to overstate or omit this information.
The reality is that, Crohn’s Disease and Ulcerative Colitis are not a health conditions you will see asked about on 98% of burial insurance applications. Simply put, this is not something insurance companies are very concerned about.
As I mentioned before, my mother was on a medication, called Prednisone when she was managing her flare ups from Ulcerative Colitis. I have to be honest; the side effects were not great. It is a steroid. Steroids affect mood, behavior and weight.
My Mom was (and still is) absolutely stunning. Back in the day, she was in Cover Girl Magazine in an American Airlines shoot. She has never had a weight problem in her life. But Prednisone made her puffy, even in her face. She hated being on the drug, but it was helping to manage her UC.
For severe disease, you may need drugs that work on the immune system. These include:
- 6-mercaptopurine (6-MP, Purinethol, Purixan)
- adalimumab (Humira)
- adalimumab-atto (Amjevita), a biosimilar to Humira
- azathioprine (Azasan, Imuran)
- certolizumab pegol (Cimzia)
- golimumab (Simponi, Simponi Aria)
- infliximab (Remicade)
- infliximab-abda (Renflexis),a biosimilar to Remicade
- infliximab-dyyb (Inflectra), a biosimilar to Remicade
- methotrexate (Rheumatrex, Trexall)
- natalizumab (Tysabri)
- tofacitinib (Xeljanz)
- ustekinumab (Stelara)
- vedolizumab (Entyvio)
The second most significant source of information the insurance company will tap into about your health is your pharmacy report (the MIB). Basically, they will look through all the medications that you have filled.
They do this so they can get a sense for what types of conditions you are being treated for. Every life insurance company knows very well what illnesses prescriptions are meant to treat.
How To Find The Best Burial Insurance With Crohn’s Disease or Ulcerative Colitis
By now you are no doubt well aware of the fact that you can get qualified for an affordable burial insurance policy in light of your Crohn’s Disease or Ulcerative Colitis.
Most carriers will absolutely accept you without reservation. The only question is which one will offer you the best deal?
Here’s How you Figure that out
To find the best burial insurance with Crohn’s Disease or Ulcerative Colitis, consult an independent final expense agency like Insurance for Final Expense, who represents a large pool of burial insurance companies. We will assess your situation and compare offers from all the companies they represent to get you the best deal.
We can confidently say that you likely won’t find another agency that is better equipped to help you find a burial insurance plan when you have Crohn’s Disease or Ulcerative Colitis.
Not only do we have ample experience helping clients with these illnesses, we are more than willing to go the extra mile should we have to. In addition, we represent many different burial insurance companies, so we can and will find you the best deal out there hands down.
Searching for some instant final expense quotes? Simply fill out the quick burial insurance quote tool on this page and you will see a list of real prices from multiple highly rated carriers.
If you need help with final expense insurance, it would be our honor to assist you. Please call us at 1-800-400-8319. If you would rather that we call you, just fill out the quote form on this page and a licensed agent will be in touch with you promptly.