No medical exam Life Insurance for Crohn’s Disease

Do I need a medical exam?

A medical exam is not always need, but in the life insurance arena their are several types of ways you can go about getting life insurance if you have Crohn’s disease.

In this article we will discuss the best ways to secure coverage and some of the companies that are available with and without an exam.

When underwriting life insurance protection it typically comes down to these options:

  • Full medical underwriting
  • No exam underwriting 
  • Simplified underwriting 
  • Guaranteed Issue Underwriting

Let’s discuss all 4 options.

Full Medical UnderwritingNo medical life insurance for Crohn's disease

Full medical underwriting is when you go thru a detailed review of your complete medical history, background, etc. This typically involves completing a complete application an answering numerous questions regarding your health history, family history, travel history, financial history, etc.

This also usually entails have a medical exam and blood and urine samples. Occasionally a routine EKG will also be needed.

In addition to an exam, the insurance carrier will most often want to order your medical records or APS (attending physician summary) as it is know in the industry.

These medical records help give the underwriter a good idea of your past medical history and how compliant you are being with your treatment.

Current blood and urinalysis helps give the underwriter a current look at your lab results to determine if they are within normal range. Blood pressure, height/weight, family history all come in to play when going through full medical underwriting.

Although going through full medical underwriting is often more time consuming and typically takes longer to underwrite, this option almost always gives you the best chance of getting the lowest rates. Quite simply, the underwriting insurance company as more information on you than say had you not taken a medical exam.

No medical exam underwriting

Often times those looking for life insurance don’t want to take the time to go through a full medical exam or perhaps they are not a big fan of needles or simply don’t like someone prodding and poking them.

A no medical exam underwriting approach can be quicker, but this does not mean the underwriter cannot order medical records from your personal physician and asks detailed questions about your history. Often times, people think no medical exam means quick approval with no background check. Although a no medical exam is sometimes very efficient it is can sometimes be a bit more expensive than the full underwriting review.

For someone with a history of crohn’s disease or ulcerative colitis it oftentimes makes sense to go through a full underwriting review. Although the underwriting turnaround time will often be much quicker than a full underwriting review, it is important to remember that the rates quoted could be different after the medical records are reviewed.

Simplified UnderwritingNo medical exam life insurance for Crohn's disease

Simplified underwriting does not require a medical exam or medical records to be ordered. The carrier will typically either accept or reject the applicant based on the answers on the application. The turnaround time on a simplified underwriting applicant is typically about 48 hours. Although their is no exam and no medical records ordered and quick turnaround, the rates on a simplified plan will be higher than either fully underwritten or no-exam underwritten.

Guaranteed Issue Underwriting

Just as the name implies, the coverage requested is guaranteed to be issued. Their is no medical exam, no lab tests, no doctors records, no if’s and’s or but’s. If you meet the criteria for age and amount you will get the coverage. But, of course theirs a caveat. True guaranteed issue contracts are usually limited by amount of coverage (usually no more than $25,000) and often time ages (typically 40-75). Also, since its guaranteed issue with no questions asked, the rates are going to be very high. And most if not all guaranteed issue policies restrict the death benefit to a graded death.

In other words, if death occurs the first year  two years of coverage the policy pays all premium back plus an amount of interest (typically 10%), if death occurs after the second year coverage pays the full benefit.  These policies are kind of last resort if an applicant cannot be approved thru one of the other underwriting methods mentioned above.

Best Companies for underwriting Crohn’s disease

Here are a list of some of the top carriers that underwrite life insurance for Crohn’s the best. Some only offer full underwriting, some no exam underwriting, some offer simplified underwriting and some guaranteed issue underwriting:

  • Prudential
  • Lincoln National Life
  • Savings Bank Life
  • Cincinnati Life
  • Banner Life
  • Phoenix Life
  • Forester’s Life
  • Sagicor Life
  • United Of Omaha
  • Gerber Life
  • Kemper Life

Underwriting questions for Crohn’s disease

  • What is the date of first diagnosis?
  • What if any medications are you taking?
  • Have you ever been hospitalized for Crohn’s?
  • Have you had surgery for Crohn’s?
  • Most recent colonscopy?
  • Current height/weight
  • Have you used tobacco in last 5 years?
  • Any family history of crohn’s disease?
  • Any other major health problems?

In addition to the answers to the following questions, it is also important to know how much protection you need and what type of coverage you would like? I.E. Term or whole life


If you are in need of life insurance and have a history of crohn’s disease, please contact us at 1-888-393-9003 or You can also find great resources on the web to encourage and help you with your walk with Crohn’s. Check out


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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.

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- Aileen from Woodstock, GA.

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- Yaniv from Troy, MO.

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.

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Mike and his team did an extra ordinary job of handling my life insurance situation.  I was unable to secure life insurance because I had cancer 17 years ago however Mike and his team navigated through the challenges to get me a 15 year policy at great monthly rates. Thank you Mike for all your work in in this challenging situation.

- Nathan S. from St. Paul, MN.

It’s not easy to find life insurance with a chronic condition such as crohn’s disease which is why I greatly appreciated having Mike on my team. Mike is responsive, patient, professional and indefatigable- all things you need when you’re looking for a competitive policy. Knowing my family will be taken care is not only a relief but a huge confidence boost and I’m thankful Mike works in the special risk insurance arena. I would absolutely work with him again. Thank you Mike!

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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.

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I could not be happier working with Mike Raines to get life insurance coverage for myself after having been declined for health reasons by my employer. My wife and I just had a son and it had become more imperative than ever that my family be protected if I were to pass away. The health screening appointment was conducted at my home around my schedule, which was very convenient. It was clear to me that Mike went above and beyond to make sure the underwriter fully understood my situation, going to bat for me so that I would not be declined again. I am a very happy customer.

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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.

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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.

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