Enteropathy Life Insurance Approval

Written by Life-Wealth-Win

People with an enteropathy often have questions about enteropathy life insurance approval. We can help you understand the basics and how it affects your ability to purchase life insurance with enteropathy.

Individuals with enteropathy are no different than anybody else when it comes to wanting to find affordable life insurance that will protect their families, homes, and businesses.

What is Enteropathy?

Enteropathy is a disease of the intestinal tract. There are many different types of enteropathy:

  • Enteropathy associated T-cell Lymphoma
  • Environmental enteropathy – this enteropathy is related to the environment in which you live. It is most commonly observed in 2nd and 3rd world countries.
  • Gastroenteropathy – if enteropathy also affects the stomach; it is referred to as gastroenteropathy.
  • Gluten-sensitive enteropathy – this can lead to Celiac Disease.
  • Protein-losing and enteropathy
  • Radiation Enteropathy
  • Tropical Enteropathy

Celiac Disease is a malabsorption syndrome that causes problems with people who eat foods that contain gluten. Celiac Disease results in small intestine inflammation, microvilli structure deficiencies, malnutrition, and nutrient absorption deficiencies.

What are my options for enteropathy life insurance approval?

Life insurance for enteropathy patients is available. Insurance companies view enteropathy as just another health condition to consider in the life insurance approval process.

Since enteropathy is a disease of the intestinal tract, the insurance companies will want to know the details surrounding your illness. They will also want to know how it impacts your daily living activities and any medical impairments or limitations you may have.

Enteropathy may not be viewed as seriously as many other health impairments (depending on your condition) by the life insurance companies. Heart attacks, diabetes, epilepsy, brain abnormalities, circulation problems, neurological dysfunction, and other medical impairments can have a much more significant impact on your ability to purchase life insurance.

Where can I purchase life insurance if I have enteropathy?

The unique health diagnosis of patients with enteropathy poses unique underwriting challenges for life insurance companies. If you’re looking for enteropathy life insurance, then you have come to the right place.

What is the life insurance underwriting process for enteropathy?

Depending on the insurance company, and the height and weight of the life insurance candidate, an enteropathy sufferer may qualify for both medical and non-medical life insurance policies.

Because of the unique health challenges that many enteropathy patients have; many life insurance companies will require a fully underwritten medical evaluation before issuing a life insurance policy.

What will the insurance companies want to know about me and my enteropathy?

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
  • Gender
  • Height
  • Weight
  • Other medical conditions
  • Health history and information
  • Medications prescribed
  • Habits/hobbies
  • Marital status
  • Foreign travel
  • Other life insurance in place

The insurance company underwriters will also want to know more about your enteropathy 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 Enteropathy

How much will my life insurance cost with enteropathy?

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.

Who should I purchase my life insurance from?

Enteropathy health conditions are unique and require a life insurance agent to be knowledgeable in underwriting procedures and practices. Most life insurance agents have not written enteropathy life insurance for their clients.

You will want an agent who has worked with enteropathy life insurance candidates, who has researched insurance company eligibility, and who has spoken with underwriters about this medical condition in the past.

At Life-Wealth-Win we are uniquely qualified to help you purchase life insurance if you have enteropathy or other medical issues.

What kind of life insurance rates will I pay?

If you are in good health with no medical complications, standard life insurance rates are possible.

If you have other medical problems and complications, past surgeries, problematic prescription history, or a height and weight that is out of build chart specifications, you may be put into a higher premium bracket, or possibly declined or postponed.

What are my first steps to purchase enteropathy life insurance?

Your first step would be to give us a call so we can understand your entire medical history. We will need to know your age, height, weight, medical problems, prescriptions, and other items that will be asked on your life insurance application.

After gathering all your information, we will approach insurance company underwriters with your information to see who will offer you the most life insurance coverage at the best rates.

When should I purchase life insurance with enteropathy?

The earlier you purchase life insurance, the better.

As you grow older, you run the risk of more medical complications which will make your life insurance premiums increase, or make you ineligible for life insurance in the future.

With enteropathy, the sooner you get life insurance coverage, the better. Purchase as much as you can afford for the longest length of time that you can afford it. Your future self will thank you for taking action on this at an early age.


If you have diagnosed with enteropathy, 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 enteropathy.

We work with clients across the nation to get the best life insurance rates possible. If you have enteropathy, we can help you get the best life insurance rates.

About Life-Wealth-Win
About Life-Wealth-Win

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

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