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.

For a FREE quote, call, text or email:

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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.

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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- Yaniv from Troy, MO.

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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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.

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!

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

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