Concerned about finding affordable life insurance with celiac disease?
We specialize in all kinds of life insurance for those with health concerns ranging from very minor conditions up to the most severe diseases. By far, the single most impactful way a person could expect to get the best life insurance rates is by using one of the life insurance carriers best suited to their past and current medical state.
Let’s discuss how celiac disease affects life insurance, and who you should buy your coverage through.
Finding Cheaper Life Insurance With Celiac Disease
You may have found yourself here because you’ve had an adverse rating from a recent application for life insurance, or maybe you’re just seeking information on how celiac disease affects life insurance.
The main reason celiac disease impacts life insurance is because an uncontrolled (or un-diagnosed) case can lead to several acute symptoms, as well as more long term health issues. For example, left untreated, celiac disease can lead to something like Type I diabetes, Multiple Sclerosis (MS) and several other disorders or conditions.
According to the Celiac Disease Foundation (CDF), here are more:
- Iron deficiency anemia
- Early onset osteoporosis or osteopenia
- Infertility and miscarriage
- Lactose intolerance
- Vitamin and mineral deficiencies
- Central and peripheral nervous system disorders
- Pancreatic insufficiency
- Intestinal lymphomas and other GI cancers (malignancies)
- Gall bladder malfunction
- Neurological manifestations, including ataxia, epileptic seizures, dementia, migraine, neuropathy, myopathy and multifocal leucoencephalopathy
Currently, other than partaking in a gluten free diet, there is no other way to treat or cure celiac disease, an autoimmune disorder, which has several other names like coeliac disease, gluten sensitive entropathy, or celiac sprue.
It’s these long term effects and health issues which are a concern for life insurance underwriters, not necessarily the celiac disease itself. If a gluten free diet is adopted, generally, a person can see both immediate relief and long term health prevention benefits. In this case, celiac disease is almost a non-issue, depending on the carrier chosen.
What is considered controlled, by insurance standards?
There are, actually, different levels of control, and each will have its own corresponding rating, or classification of risk. Each rating, of course, will correspond with different prices.
- Complete Control – an applicant has been correctly diagnosed and represented in their medical records, adheres to all recommended diets or treatments, and is near fully asymptomatic. An occasional symptom can arise from time to time, but nothing out of the ordinary so much as to require a doctor’s visit or trip the the hospital.
- Mild Control – an applicant has been correctly diagnosed and represented in their medical records, adheres to all recommended diets or treatments, yet continues to suffer from light symptoms including, but not limited to, bloating, diarrhea, cramping, and very mild fatigue. Basic and infrequent over the counter medication may be necessary.
- Moderate Control – an applicant has been correctly diagnosed and represented in their medical records, but may not adamantly adhere to strict diet or other recommended practices. Symptoms are frequent, varying in nature, and medication or treatment is mostly required or recommended by a physician.
- Uncontrolled – an applicant has yet to be identified as having celiac disease, or has been diagnosed very recently. Symptoms are consistent, un-managed by normal treatments or medication, or have reached a point of complication to other conditions.
With each level of control comes a different risk attributed by the insurance underwriter, which affects the premium. Here is a quick chart on what ratings a person with celiac disease might incur when applying for life insurance, assuming all other factors are a non-concern (including health, family history, driving record, etc.):
|Complete Control||Preferred Plus|
|Mild Control||Standard Plus|
|Moderate Control||Standard to Table 4|
|Uncontrolled||Postpone* or Decline|
*typical postpone time varies, usually not less than 6 months and may be longer until diagnosis is correctly made and a moderate to mild level of control is sustained through this duration.
I’m ready to apply, but which life insurance company is right for me?
This is one of the greatest determining factors of a final approval rating for most applicants seeking life insurance with celiac disease. Choosing the best carrier can yield as high as Preferred Best ratings, whereas other less liberal companies may offer no better than Standard, regardless of overall health and control.
We’ll help you find the right carrier, based on the following criteria:
- Requested Coverage Amount
- Overall Health
- Level of Control of Celiac Disease
- Medical Exam Preference
For those who are uncontrolled or moderately controlled at best, we will need additional information before we can suggest companies. Depending on the level of control alone, many companies may not be a consideration at all. This can result in using graded or guaranteed products.
Those of you who have attained, at minimum, a mild level of control, we have many more options. Depending on how much coverage you need, we can even help you get covered without going through a medical exam, if you so choose.
Buying a life insurance policy with celiac doesn’t have to be complicated. We’ll help you along the way.