If you are looking for celiac disease life insurance approval, you have come to the right place. Celiac disease can have long-term health consequences that life insurance companies will consider before issuing you a life insurance policy. Just because you have celiac disease does not mean you cannot get affordable life insurance rates.
With an estimated 1 in 100 people worldwide suffering from celiac disease, and about 2.5 million Americans undiagnosed with celiac disease, this is a serious medical condition that will affect your life. Purchasing life insurance is a wise decision if you have celiac disease or any other autoimmune disorders.
Celiac disease is also known by other names, such as coeliac disease, gluten sensitivity enteropathy, and non-tropical sprue.
If you have celiac disease, you will need to work with a life insurance agency, such as Life-Wealth-Win that specializes in high-risk life insurance cases. We will find you the best life insurance rates possible, regardless of the severity of your celiac disease symptoms.
What is celiac disease?
Celiac disease is an autoimmune disorder with serious health implications. Celiac disease is a hereditary disease, so some individuals are genetically predisposed to gluten intolerance.
Ingestion of gluten may lead to damage to the small intestine for celiac disease patients. People who have a first-degree relative who suffers from celiac disease (parent, child, or sibling) have a 1 in 10 chance of developing celiac disease.
Long-term health effects of celiac disease
Celiac disease can occur or develop in people at any age after they start eating foods or medications that contain gluten. If untreated, celiac disease can lead to other serious health problems. Other autoimmune disorders may develop because of celiac disease:
- Central and peripheral nervous system disorders
- Dermatitis Herpetiformis (an itchy skin rash)
- Gall bladder malfunction
- Intestinal lymphomas and other gastrointestinal tract cancers (malignancies)
- Neurological disorders (ataxia, epilepsy, dementia, migraines, neuropathy, myopathy, multifocal leukoencephalopathy)
- Pancreatic insufficiency
- Early onset osteoporosis or osteopenia
- Type I diabetes
Celiac disease treatment
Treatment for celiac disease relies on avoiding gluten in your diet for the rest of your life. A gluten-free diet requires you to avoid foods such as wheat, barley, rye, bread, and beer. Even eating or ingesting small amounts of gluten (like crumbs from a toaster or cutting board) can trigger small intestine damage.
Life insurance was celiac disease
As you can see from the abovementioned potential health complications of celiac disease, the insurance companies will want a full understanding of your medical condition and how it is impacting your health and daily living activities. The life insurance company underwriters will want a complete understanding and full medical details for your celiac disease.
Because celiac disease can affect your overall health, it can affect your overall life expectancy.
Because celiac disease can affect your overall life expectancy, getting a life insurance policy will require more work from your life insurance agent and insurance company to get your policy approved.
When is the best time to purchase life insurance with celiac disease?
If you have a family history of celiac disease but are not yet symptomatic, the best time to buy life insurance is today. Because you are genetically disposed to have a 1 in 10 chance of developing celiac disease based on your family’s medical history, you are at a higher risk of developing celiac disease.
When you are healthy and non-symptomatic, you will get the best life insurance rates available from all insurance companies. If you are diagnosed with celiac disease and shop for life insurance the next day, your life insurance premiums may be much higher than your pre-celiac disease diagnosis date.
It is important to get life insurance early and when you are the best health.
What will the insurance companies want to know about me and my celiac disease?
All life insurance coverage starts with a life insurance application. This application must be filled out completely to apply for coverage. They will want to know basic information such as:
- Your name
- Foreign travel
- Health history and information
- Marital status
- Medications prescribed
- Other life insurance in place
The insurance company underwriters will also want to know more about your celiac disease symptoms and health complications. These may include:
- Your diagnosis date
- Medications and dosage
- Frequency of symptoms or flare-ups (diarrhea, bloating, abdominal discomfort etc.)
- Risky eating habits or noncompliance with your doctor’s medical recommendations
- Routine gastroenterologist checkups to manage your celiac disease condition
How much will my life insurance cost with celiac disease?
It will depend on your overall health and medical condition. Many celiac disease patients qualify for standard life insurance pricing. This pricing is in line with what a person of average health would pay. If your medical complications are more severe, you may still qualify for life insurance in a substandard policy class.
Where can I get the best life insurance pricing
You should work with an independent life insurance agency, such as Life-Wealth-Win. We work with over 30 life insurance companies, so we can get you the best life insurance rates and the best life insurance policy.
It is in your best interest to avoid life insurance agents and agencies that only sell their own branded life insurance products; this will often lead to you overpaying for insurance or getting denied for life insurance coverage.
Because celiac disease is a progressive medical condition, as time goes on, your symptoms will likely get worse. Even if you are just diagnosed with celiac disease, there is no better time to purchase life insurance than now.
Each year, your life insurance premiums will increase due to your age. Each year, as your celiac condition gets worse, your life insurance premiums will increase. The best time to purchase life insurance with celiac disease is always today.
If you have been diagnosed with celiac disease, call us to help you understand your life insurance options.
At Life Wealth Win, we specialize in healthy to high-risk life insurance cases. We can help you understand your life insurance options with celiac disease or any other medical problems.
We work with clients across the nation to get the best life insurance rates possible. If you have spinal stenosis, we can help you get the best life insurance rates.