Life Insurance with Ulcerative Colitis

Getting Life Insurance with Ulcerative Colitis

Finding affordable life insurance with ulcerative colitis is available if you know how to find it. The absolute best way to find the lowest rates on life insurance with ulcerative colitis is by using an independent life agent.

An independent life agent who is experienced and knowledgeable in this unique risk area of life underwriting can help you negotiate the best rate.

It is important that your agent offer companies that look at each person’s medical history and lifestyle separately. Too many companies often just throw each risk into the same pile. Individualized medical underwriting is the key to finding the best rates for life insurance with ulcerative colitis.

What is Ulcerative Colitis and how does it affect my rates?

Ulcerative colitis affects nearly 700,000 Americans.  It is different than Crohn’s disease. It is a recurrent inflammation of the colorectum. It is characterized by bloody diarrhea, abdominal pain, fever, anemia, and weakness.

It usually develops between the ages of 25-45 and 10-15% of the cases have a family history of the disease. Inflammation limited to the rectum is a more mild form of the disease when compared to inflammation of the entire colon.

Life insurance underwriters are concerned with a diagnosis of ulcerative colitis due to the higher incidence of colon cancer, especially if the disease has been present for 10 years.

Regular checkups with colonoscopy are important. Treatments may include anti-diarrhea agents, 5-ASA compounds such as sulfasalazine, corticosteriods, immunosuppresive agents or surgery.

A total colectomy (removal of entire colon with or without colostomy) is curative.

Underwriting considerations for unoperated ulcerative colitis-

When life insurance with ulcerative colitis is evaluated a lot depends on the time period from when diagnosed. Below is some of the common ratings an insurance company may offer on an individual looking for life insurance with ulcerative colitis:

  • Less than or equal to 6 months from diagnosis and/or any severe episodes- Application Postponed
  • 6 Months to 2 years from diagnosis and/or any severe episode-  50%-75% extra premium charge
  • More than 2 years- 50% extra premium charge if no significant episodes and colonoscopy within 2 years
  • Single episode of ulcerative colitis greater than or equal to 10 years ago and no medication for 5 years- No Extra premium charge
  • 2 severe episodes in the past year or 3 severe episodes in the past 2 years- 150% extra premium charge
  • Evidence of sclerosing cholangitis or dysplasia on biopsy- Declination for coverage

If a total colectomey has been done and there were no complications a standard offer of coverage could be considered after 6 months from surgery.

Complications would include repeated surgery, weight loss, or other system involvement.

A diagnosis of just ulcerative proctitis typically results in a better rating than full ulcerative colitis. This again depends on treatments and any other considerations.

It is important to remember that the above ratings are just an example and full medical underwriting most be completed before an actual offer of coverage can be made. Keep in mind their are a handful of insurance companies that underwrite life insurance with ulcerative colitis better than most companies.

It is up to your agent to negotiate with those companies and find you the lowest rates. Put your agent to work and if he is an expert in this area of underwriting you could save hundreds if not thousands of premiums dollars over the life of your policy.

Information needed to quote on life insurance with ulcerative colitis

Your agent will typically need to get some medical information up front in order to find the best rates. It is important that you  not just apply to several different insurance companies hoping for a good offer.

When insurance companies review the medical information bureau file, and see multiple applications outstanding, they typically frown on giving you their best offer. They know you are just shopping your coverage to several insurers and realize they have a slim chance to gain your business.

This is a rookie mistake that many clients and agents make. Your agent must know how to discreetly shop your coverage by informally speaking to several different insurance companies without formally applying for coverage. This also keeps any future declination of coverage out of your MIB file.

You should be totally honest and upfront with your agent regarding your medical history. Below are the questions your agent may ask:

  • Male or Female?
  • Date of Birth?
  • Date of diagnosis? 
  • Type of diagnosis? I.E. Chronic ulcerative colitis, chronic proctitis
  • Taking any medications?
  • Been hospitalized, had surgery or had colonoscopy? If yes, dates for each
  • Height/weight
  • Used any tobacco products in last 5 years?
  • Any other major health problems? I.E. Diabetes, high blood pressure, etc.

In addition to the above questions, it is also important that your agent know the amount of protection you need as well as the type of coverage requested.


Affordable life insurance with ulcerative colitis is possible. The secret is knowing who to talk to. Fortunately, you have landed on the right page. Put our 30 years of knowledge and experience to work for you.

If you are looking for the most affordable life insurance with ulcerative colitis and would like to discuss, please contact us at 1-888-393-9003 or email Mike Raines at 

For a FREE quote

Call, text, email or fill out our instant quote form:

Call: 678-207-8160
Text: 678-207-8160
Instant quote form: Click here

How can I help?

Mike Raines

I am an independent life insurance agent with over 30 years’ experience. I am an expert in finding coverage for those with past or current medical history such as heart disease, diabetes, post cancer, etc. I also specialize in those that participate in scuba diving, mountain climbing, private pilots, etc. I work with the best life insurance companies in the nation, such as Prudential, AIG, Protective Life, Transamerica to name a few. Each carrier has different opinions on rates and underwriting, and it is my job to match you with the best company. To do that, I need to ask you a few questions about your health and lifestyle to qualify you.

For a FREE quote, call, text or email:

Call: 678-207-8160

Text: 678-207-8160


Mailing Address:
3482 Keith Bridge Road Suite #125
Cumming, GA 30041


Two Thumbs Up for Mike at Special Risk Term

- Yaniv from Troy, MO.

Mike and his team made the entire process from start to finish very seamless and also overcame the task with us being multiple states apart with ease. With the easy process and very competitive priced insurance for high risk athletes, you have no need to look anywhere else for coverage. Thanks to Mike and his team for all they did and I highly recommend them for your Special Risk Life Insurance needs.

- Tyler C. from Danville, VT.

Mike was extremely helpful in locating a life insurance company that would accept a preexisting condition at a reasonable price. He saved time by submitting health records to several companies for a quick preview then following up with the one who offered the most reasonable premium. He knows which companies are most likely to accept certain conditions. Throughout the application process Mike was very quick to respond to e mails and phone calls. We highly recommend Mike if you need life insurance and have a preexisting condition.

- Henry R. from Springfield, TN.

Mike and Special Risk Term are absolutely top shelf! I was worried that I would not be able to get term life insurance to protect my family, or that the costs would be exceedingly high.

Mike knew the industry inside and out and knew which companies would provide the best options. He coordinated with the underwriters to get the job done and get me an affordable plan, and kept me updated throughout the entire process. Not to mention he did it all electronically in the age of COVID without ever having to meet in person. Highly recommend. Excellent service and expertise!

- Chris M. from Laguna Niguel, CA.

I contacted Mike for advice with life insurance. I had recently left a large firm (where I had life insurance coverage as part of compensation package) to start my own company.  Therefore I needed to self fund my life insurance.  Because of some past health issues I figured I may need to do extra tests to validate my current excellent health status and insurability.  Mike was great to work with, knowledgeable about how underwriters view things, how they will want lots of data from my doctors, and he explained the normal full battery of new tests and data as well as additional or special tests they might want based on my history.  He helped me through the valley to the other side of the life insured promised land for $500K term policy with a duration that meshes well with my retirement date/options and coverage for my family if needed. I highly recommend Mike with Special Risk Term.  He can help you too, so call or email today.

- Richard M. from Ann Arbor, MI

Mike did an outstanding job getting me my coverage. He went above and beyond answering all my questions. He always returned my calls immediately even on the weekends!!! I highly recommend him.

- Aileen from Woodstock, GA.

Thank you very much, Mike, for all your help in this long process. I know it wasn’t easy, but I appreciate you not giving up on my application and helping provide peace of mind to me and my family.

- Craig S. from Savannah, Ga.

As someone with a past cancer diagnosis, finding life insurance had been a huge annoyance. Mike made it easy, and somehow found quotes that were significantly more affordable than what others gave me.

- Matthew from St. Louis, MO.

I tried several places before I came across Mike’s website. The insurance at these other places was either very expensive, or the company wouldn’t cover me because of my health history. Mike was able to find me a reasonably priced policy with a major insurer. He did a great job locating a policy that works well for me.

- Jeff from Hermon, ME.

As part of the process of buying a new business, I needed life insurance. However, my congenital heart defect made agents squirm over the phone. Then I found Mike, who not only understood my situation, but found two solutions for me. Within a week, I had confirmation of an AD&D policy and a Term Life policy…all at very reasonable rates. The sense of relief can’t be underestimated. Thank you, Mike!

- Heather G. From Crestview, Fl.

We work with individuals across the nation to secure the best life insurance rates.

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