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Life Insurance with Pancreatitis

by Jeff Root

Last Updated: May 2020

Life insurance underwriting decisions for Pancreatitis can range anywhere from Standard all the way to a decline.Life Insurance with Pancreatitis

The most important thing you can do if you’re searching for life insurance and have Pancreatitis is to work with an agent experienced in underwriting this risk.

In this article, we’ll show you what you can expect from life insurance underwriters:

  • Obtaining Life Insurance With Acute Pancreatitis
  • Obtaining Life Insurance With Chronic Pancreatitis
  • Life Insurance Underwriting With Pancreatitis and The Questions You Can Expect To Be Asked
  • Guaranteed Acceptance Life Insurance Is Another Option For Coverage With Pancreatitis 
  • Why You Should Consider Rootfin For Your Life Insurance Needs With Pancreatitis 

Life Insurance is Boring. Let’s Get To The Root Of It! Here are the key takeaways…

It is possible to obtain life insurance with pancreatitis. Life insurance companies will want to know if your pancreatitis is considered acute or chronic and will also want to know the extent of the damage to the pancreas and if you are currently dealing with any other underlying health conditions.


Obtaining Life Insurance With Acute Pancreatitis

Acute Pancreatitis is often caused by alcohol abuse or gallstones, in about 80% of the cases.

If it’s caused by gallstones and it’s a one-time event, you’ll qualify for Standard life insurance rates if you’re fully recovered and have been asymptomatic for several weeks.

If there are several episodes of Acute Pancreatitis most underwriters will suspect alcohol abuse and postpone your application for at least 1 or 2 years of documented abstinence.

If alcohol use can be eliminated as a possible cause, underwriting can normally proceed and Standard rates are available if there was just one single episode.

Several episodes of Acute Pancreatitis are often due to a known cause. Underwriting will depend on the underlying cause, and how well it can be controlled.

As inflammation of the pancreas can lead to significant problems, many such cases are postponed until the cause of the recurrences can be managed or eliminated.


Obtaining Life Insurance With Chronic Pancreatitis

Chronic Pancreatitis is usually a result of obstruction to the drainage of pancreatic enzymes via the pancreatic ducts into the intestines and is caused by persistent inflammation of the pancreas. In chronic pancreatitis, the pancreas is irreversibly damaged.

A process known as fibrosis (or scarring) leads to a gradual deterioration of the pancreatic function. This destruction leads to malnutrition, and often diabetes, due to the lack of insulin production.

Chronic Pancreatitis or multiple recent recurrences of Pancreatitis are rated primarily based on the underlying condition that is leading to these episodes, as well as how significantly the pancreas has been damaged.

With Chronic Pancreatitis, you may find it much more difficult to get approved for traditional life insurance coverage or may experience higher rates.

In these situations, it is important that you have all of your pertinent medical information organized and ready to present to your agent so they can effectively shop the best life insurance companies for your situation.

Here is some of the health information that you should have and ready be prepared to relay to your agent about your pancreatitis.


Life Insurance Underwriting With Pancreatitis and The Questions You Can Expect To Be Asked

Life insurance underwriters also want to know how well the condition is controlled via the use of dietary supplements and insulin.

Here is the information we need to give you an accurate life insurance quote with Pancreatitis:

  • Date of diagnosis?
  • Is there a known cause?
  • Approximate dates of all episodes (if any)?
  • How long have you been in recovery?
  • Current alcohol use/frequency?
  • Any complications or residual effects?
  • Any surgeries completed?
  • Medications?
  • Any other underlying health issues?

If an agent doesn’t ask you these questions, they are merely guessing your rates.


Guaranteed Acceptance Life Insurance Is Another Option For Coverage With Pancreatitis

As mentioned previously, in some scenarios with pancreatitis, the damage done to the pancreas is permanent and other health complications may be present.

In these scenarios, it is likely that you could be declined for traditional life insurance. This is when you need to consider other options such as guaranteed acceptance life insurance.

These policies will not require you to disclose information about your pancreatitis and allow you to secure coverage regardless of your medical background.

In exchange for this option, your death benefits will have a 2-year waiting period attached before the policy becomes fully in-force.

Nonetheless, it is an option to consider.

If this is the situation that you find yourself in, consider some of the top companies in the industry that currently offer this coverage such as the following:

  • American General Life Insurance (AIG)
  • Great Western Life Insurance Company
  • Gerber Life insurance Company

Why You Should Consider Rootfin For Your Life Insurance Needs With Pancreatitis

At Rootfin, we specialize in high-risk life insurance.

We’ve helped dozens of people who have Pancreatitis and know which life insurance companies offer the best rates.

If you’ve been declined for life insurance because of your Pancreatitis, you may have just used the wrong life insurance company.

Every life insurance company looks at each risk differently, so the key to obtaining affordable approval is finding the life insurance company that will look most favorably at your situation.

That’s what we do for our clients. If you have or have had Pancreatitis, you won’t find better rates anywhere else. We encourage you to give us a call.

About Jeff Root
Jeff Root
Jeff Root is the owner of Rootfin. He is an independent life insurance agent, licensed in all 50 states & the District of Columbia. Jeff is also licensed to sell disability insurance and medicare insurance. Jeff is an accomplished author and a speaker at industry-leading insurance conferences around the US. He has helped 1,000's of people purchase insurance online and over the phone.

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