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 or need guaranteed issue 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





For a FREE quote

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

Call: 678-207-8160
Text: 678-207-8160
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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


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 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.

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.

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.

Two Thumbs Up for Mike at Special Risk Term

- Yaniv from Troy, MO.

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.

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.

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.

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

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