 |
 |
|||||||||||||
|
 |
|||||||||||||
Gastrointestinal History
Home > High Risk Information > Gastrointestinal History
Diseases and disorders of the digestive system (liver, gall bladder and pancreas) are considered here. Some that receive special underwriting attention are: Crohn's Disease, where an inflammation of the gastrointestinal tract occurs, and Ulcerative Colitis, an inflammation of the mucosal layer of the wall of the large bowel.
Liver disorders due to viruses or toxins including drugs and alcohol are also underwritten carefully. Individuals with a history of cirrhosis may not be insurable. Certain types of hepatitis present unique placement challenges especially if alcohol or drugs continue to be used. In some cases an individual may not be insurable if the condition is chronic.
Best Class:
It is not possible to accurately predict the classification without review of medical records. However, there is a range of premium guidelines for most histories from rejection to surcharges.
Solutions:
1. Shop around as certain insurance companies have extensive experience underwriting gastrointestinal diseases and have a tendency to offer lowest surcharges.
2. Pay a surcharge for the risk. This may be unavoidable based on your history.
Note:
Term life insurance policies may not be available as companies may believe that only cash value plan will generate adequate premium for the contemplated risk.
Action:
Complete the Personalized Quote to begin the process to find the companies with the most liberal acceptance guidelines and lowest premiums for your status. If we cannot quote online, we will respond by email with the probable underwriting action and premium range within two business days.
Need Help?:
Make a no-obligation call to our quote desk to clarify you status before proceeding with the Personalized Quote or e-mail your question to us at info@choicequote.com
To speak with a licensed professional,
1-888-SEE-TERM
1-888.733.8376
(Toll Free) 8 a.m. to 6 p.m.
Eastern time, Monday through Friday
