Life Insurance with Crohn’s disease

Can I get affordable life insurance with Crohn’s disease?

For individual’s that suffer from Crohn’s disease, life insurance may seem at first to be unattainable. Fortunately, for those looking for life insurance with Crohn’s disease you have come to the right place.

As a specialist in the life insurance arena for those individuals with pre-exisiting medical conditions, we often are able to secure affordable term life insurance when others cannot.

We understand the difficulties of finding affordable life insurance with Crohn’s disease. We know which companies specialize underwriting this condition.

When underwriting life insurance with Crohn’s disease, it is first important to get as much medical information up front from the insured. It is best to be totally honest about your medical history. The more information we can give to the underwriter’s the better rate you possible can secure.

We want the life insurance underwriter’s to compete for your business.

By gathering this information up front it allows us to do the legwork and save you time. This also keeps you from having to initially go thru a medical exam and blood work.

A medical exam may be necessary down the road, but first we just want to see if a viable offer is available.

By gathering this information up front, it also allows us to keep your information out of the Medical Information Bureau (MIB).

When all the information is gathered, we will speak to the different carriers.  Once we get the feedback from the underwriters  we will then know if an offer can be made. We will run the premium rates to see if this tentative offer is affordable to you.

If the tentative offer is something the client feels comfortable with, we will then proceed to take a formal application and have any requirements completed to secure the offer.

This is the best way to proceed with finding the most affordable rates.

You will no longer have to try contacting agent after agent to try and find affordable life insurance with Crohn’s disease.

What information is needed to find life insurance with Crohn’s disease?life insurance with crohn's disease

In order to find out if affordable life insurance with Crohn’s disease is available the following information needs to be obtained:

  • Male or Female?
  • Date of birth?
  • Height/weight
  • History of any major weight loss?
  • Tobacco use? If yes, what type?
  • Exact name of diagnosis (I.E. granulomatous colitis, regional entertitis, terminal ileitis, etc.)?
  • When was condition first diagnosed?
  • Single episode, recovered without complications?
  • Multiple episodes?
  • Date of last episode?
  • Have you had an operation for this condition or is an operation being considered?
  • If operation, type of surgery and when was surgery completed?
  • If surgery, have you had or experienced any problems or complications following surgery?
  • Details of any medications current prescribed including name, dosage/frequency?
  • Any other medical history or hospitalizations for other conditions?
  • Any history of taken steroids?
  • Have you lost in time away from work due to this condition?
  • Do you routinely exercise? If so, what type?
  • Family history? Any immediate family history of early death before age 60 from heart disease or cancer?
  • Any history of diverticulitis?

In addition to the questions above, it is also good to know the amount of coverage and the plan of protection you would like to secure. Many carriers only offer minimum amounts of death benefit. Some will only make an offer for a permanent plan of protection.

It also important to remember that there are carriers available that may offer a plan of insurance on a simplified or guaranteed issue basis. These plans are typically more expensive than a full medically underwritten plan and could have limitations to the policy benefits.

It is best to discuss your situation with us to determine the best plan of action depending on your needs. Remember, we are here to assist you in securing the absolute lowest rates available for life insurance with Crohn’s disease.

We have no allegiance to any one particular insurance carrier. We write coverage thru many different insurance companies and are constantly searching the marketplace for new and innovative carriers.

With over 30 years experience in the special risk marketplace we know who the right carriers are.

If you would like to discuss your life insurance needs, please contact us at 1-888-393-9003 or


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


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

- Shannon from Atlanta, 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.

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.

Best rates and best service I have ever received.

- Robert from Kennesaw, GA.

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.

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 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.

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.

Two Thumbs Up for Mike at Special Risk Term

- Yaniv from Troy, MO.

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

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