Life Insurance with Diverticulosis

by Jeff Rose on May 27, 2013 · 0 comments

life insurance with diverticulosisIf you have diverticulosis (and want to apply for life insurance, you need to show the insurance companies that your condition is under control.

When treated properly, diverticulosis is quite manageable but it can very serious if left untreated.

To get the best possible rating, your application should put the insurance underwriters’ minds at ease.

To help you put together an effective applicant, we briefly explained the underwriting guidelines for someone with diverticulosis. Much of this is similar to diverticulitis.

Life Insurance Underwriting for Diverticulosis

When you apply for life insurance, your agent will ask you several questions about your diverticulosis. Be ready to answer:

  • When were you diagnosed with diverticulosis?
  • How frequent were your attacks?
  • When was the most recent attack?
  • Did you ever need surgery for your diverticulosis?
  • Have you recovered from your treatments or are you still having attacks?
  • Have your diverticulosis led to any complications like abscesses, fistulas, or internal bleeding?
  • What medications are you taking for your condition?

Common medications for diverticulosis include: Ciprofloxacin, metronidazole, piperacillin, tazobactam, and various other antibiotics. All these medications could be insurable depending on the severity of your condition.

These questions are you chance to show that you have your diverticulosis under control. Never lie or leave information out of your application. If underwriters don’t have a clear picture of your condition, they could get worried and deny your application or give you a bad rating.

Life Insurance Quotes with Diverticulosis

Diverticulosis on its own is not a fatal condition. The reason it’s an issue for life insurance is because the attacks from diverticulosis can lead to serious internal damage if the condition is not treated properly. A good strategy is to wait at least a year after your last attack before applying. This will help your rating because it shows insurance companies that you recovered without any major problems.

Insurers will also consider your overall health and whether you needed surgery for your diverticulosis. While each company has slightly different rules, here are the general underwriting standards for this condition to give you an idea what rating to expect.

  • Preferred Plus: Possible for applicants that recovered without surgery and haven’t had an attack in over a year. Applicants should also be in perfect health otherwise and will need an evaluation like a colonoscopy to show that there are no complications.
  • Preferred: Rating for applicants that recovered without surgery, haven’t had an attack in over a year, and are in decent health. A bit less strict than the preferred plus rating so applicants can have some small health issues like being a little overweight or having slightly high cholesterol.
  • Standard: Best rating for someone that needed surgery to recover from diverticulosis. Applicant should not have had any complications and had no incidents in the past year.
  • Table Rating (substandard): Rating for applicants that needed surgery and/or had complications like abscesses or fibulas as a result of their diverticulosis. An applicant’s rating will depend on how long it’s been since an incident, how serious the surgery was, and whether the applicant has any other health issues.
  • Declines: Applicants that had signs of internal hemorrhaging due to their diverticulosis.

Diverticulosis Insurance Case Studies

A little preparation makes a big difference when you apply for life insurance with diverticulosis. Here are a couple real life examples that show why it pays to be prepared.

Case Study: Male, 45 y/o, non-smoker, diagnosed with diverticulosis at age 42, condition went away that year without surgery, no complications or other health issues

Besides his case of diverticulosis, this applicant was in great health. By maintaining his healthy lifestyle, he was able to prevent any attacks from happening again and his diverticulosis went away after a prescription of antibiotics. However, when this applicant applied for life insurance, he only received a standard rating. While this isn’t a bad rating, we thought this client could do better.

We suggested he request a colonoscopy to confirm that he was healthy and had absolutely no complications from his past condition. By applying with this new information, this applicant received a preferred plus rating, the best possible rating with the highest discount.

Case Study #2: Female, 59 y/o, non-smoker, diagnosed with diverticulosis at 56, needed surgery to treat her condition, last incident was at 57.

This applicant was not taking good care of herself. She had a poor diet and this eventually led to diverticulosis. When she was diagnosed, she didn’t follow her treatment properly and this led to abscesses that needed surgery. After the surgery, she started improving her lifestyle and that prevented any further problems.

This also scared her into applying for life insurance at 57, when she ran into a couple problems. insurance companies denied her application because of her poor health history and because it was too soon after her surgery. We recommended she try again now at 59. While this on its own may have been enough, we also suggested she ask her doctor for a note vouching for her better lifestyle. With this extra preparation, the applicant received a Substandard Level 1 rating, the best rating before Standard.

As you can see, you can still get life insurance at a great price even with diverticulosis. Your preparation ahead of time will make a big difference. To improve your chances, you should consider working with a professional. Our company specializes in helping applicants with diverticulosis find coverage.

We can guide you through your application and put you in touch with the best companies for your situation. For more information and free rate quotes, call us or fill out our online Compare Quotes application form on the right column today.

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