We help consumers looking for life insurance with diverticulitis on a regular basis. Life insurance approvals can range from the best rate class (preferred plus) to a decline. It really depends on your unique diverticulitis details.
The first step in securing the lowest life insurance rates available is understanding the details regarding your diverticulitis. With this information, we reference your details across all the life insurance carriers underwriting guidelines to get a great premium for your specific situation.
Currently, there is not one specific life insurance company giving the best approvals for those with diverticulitis. There are several companies competing for this risk. We choose the company based on your details.
Here’s what we need to know:
- Date Diagnosed
- Frequency of attacks & date of most recent
- Surgical dates and details
- Details regarding any complications
- Any underlying health issues?
- All current medications
If you aren’t pushed for these answers by an agent, move on. They are simply taking a shot in the dark. With that said, every detail you can provide is helpful. Don’t leave anything out when providing specifics about your diverticulitis or else your life insurance rates will come back more expensive than quoted. Remember, the life insurance company will be reviewing your medical records.
Based on the information we acquire about your diverticulitis, health classes range from preferred plus (best rate class) to a decline.
Here’s a breakdown of what you can expect.
Preferred rates are available IF:
- Treated medically with complete resolution
- No surgical treatment needed
- No history of complications
- No continuous use of NSAIDs, steroids or immunosuppressants
- Fully evaluated to exclude potential malignancy
Standard and below standard rates (table ratings) are available in these situations:
Mild attacks (single or repeated), fully recovered, and no complications will be in the Standard to Standard Table 2 range.
Attacks with complications such as perforation, abscess, fistula, or obstruction will be:
- Without surgery, with an attack in the last 12 months will be in the Table 2-4 range
- Without surgery, with an attack over one year ago will be in the Standard to Table 2 range
- With surgery, segmental resection, fully recovered will be Standard to Standard Plus
- With more extensive surgery in the last 12 months, fully recovered, will be Table 2 range
- With more extensive surgery, more than one year ago, and fully recovered, will be Standard
- Not recovered, symptoms continuing, will be Table 4 range
- Multiple surgeries may be rated higher
- Recent signs of hemorrhage can result in a decline
If the “table ratings” above are confusing, you can read this article about life insurance table ratings or you can just contact us and let us explain everything. We can provide you with the best life insurance option for your specific case.
Finally, just another reminder that great rates and low monthly premiums are still attainable for those suffering from diverticulitis if you work with the right people to find the correct carrier.
We’ve helped dozens of consumers with diverticulitis save money on their life insurance just because we’re familiar with this risk and know which companies are giving the best approvals. If you have diverticulitis and are now ready to purchase a plan, let us be your agent.