Crohn’s disease life insurance coverage

Crohn’s disease life insurance coverage is attainable

Sure, finding crohn’s disease life insurance coverage may be more difficult to find. But, if you know the secrets you can definitely make the search much easier.

You see, their are a few life insurance companies in the United States that do a much better job underwriting crohn’s disease life insurance.

These companies are typically what we in the industry call “special risk ” underwriters. Of course, most carriers have no problem underwriting and securing protection for people who are in excellent health. It takes a company that has a niche in a particular area, whether it be crohn’s disease life insurance, heart by-pass disease life insurance or post cancer disease life insurance.

The secret is working with an agent or agency who is also in the “special risk” arena.

These agents or agency’s are typically independent agents who represented dozens and dozens of carriers. They also will have many years of experience and knowledge underwriting crohn’s disease life insurance coverage.

Who are some of the best life insurance carriers?crohn's disease life insurance coverage

Below you will find some of the top life insurance companies who do an excellent job undewriting crohn’s disease life insurance coverage:

  • Prudential
  • Lincoln National Life
  • Principal Life
  • Mutual of Omaha
  • Banner Life
  • Transamerica Life 
  • North American Life

These are some of the top life insurance companies in the United States. What may be surprising to many is they are also special risk life insurance carriers. So, they have expertise in underwriting those with pre-existing medical conditions.

How to go about getting the best offer with a medical condition?

Okay, so now you know that you need to use a company that specializes in underwriting your particular type of risk. And you know you need to use an agent or agency who represents those type of carriers. So, how do you find them?

Luckily, you have landed on this page. We are experts at finding the lowest cost life insurance for those with a history of crohn’s disease or ulcerative colitis.

The first thing we will need to do is ask you some basic questions such as:

  1. Date of birth
  2. Height/weight
  3. Any history of tobacco use
  4. Date of diagnosis
  5. When was last episode
  6. Have you had any complications
  7. Any surgery
  8. Any other medical history such as high blood pressure, diabetes, etc.
  9. Current medications
  10. Any family history of crohn’s disease, cancer or heart disease?

These questions will give us an excellent place to start into finding the most affordable offer.

In addition to the questions above, it is important to know how much protection is needed?

Also, it is helpful if the carrier knows which type of coverage you are looking for such as term life or whole life.

Submitting information to the carriers

Once the above information is collected it is now up to your agent to find the lowest rate. With the collected information your agent will then call and speak directly to underwriters and discuss your situation.

At this time no formal application or exam is needed. (Why fill out paperwork or do an exam until we have an offer?)

The job is to get a tentative offer for coverage based on the medical information you have provided. Once the companies give us their best tentative offer we can now know what the raw numbers will look like. Once a quote for the tentative offers are gathered we will know who’s rates are the best.

Doesn’t this make a lot more sense than applying to several carriers and hoping for an offer. This way all the hard work is done up front. This saves time, money and aggravation.

Now, once a tentative offer is given does not always mean this is the final offer. After all, the carrier has typically not reviewed your medical records or seen any lab results, etc. Things could change during underwriting. But, we have found that in our years of experience that most of the time the tentative offers comes back accurate as long as the whole story has been told.


So, there you have it. If you are looking for crohn’s disease life insurance coverage, find yourself a good independent life insurance agent who specializes in underwriting those with pre-existing medical conditions. This gives you the best chance to find the lowest rates.

If we can help, please don’t hesitate to contact us at 1-678-207-8160 or e-mail





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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


Best rates and best service I have ever received.

- Robert from Kennesaw, GA.

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.

- Daniel S. from Seaside, CA.

Two Thumbs Up for Mike at Special Risk Term

- Yaniv from Troy, MO.

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.

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.

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 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.

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!

- Bobby from Washington D.C.

Mike did an awesome job in finding affordable coverage for myself and my husband. Highly recommend his services.

- Shannon from Atlanta, 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.

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

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