Can You Get Life Insurance with Crohn’s Disease?

Shawn Plummer

CEO, The Annuity Expert


People with Crohn’s disease can obtain life insurance. The key to eligibility and favorable rates largely depends on how well the condition is managed and controlled.

Key Factors for Underwriters

  1. Control of Flare-Ups: Underwriters primarily assess how effectively the Crohn’s disease flare-ups are controlled.
  2. Adherence to Treatment: Following the doctor’s treatment plan, including medication adherence and regular doctor visits, is crucial.
  3. Overall Health Management: General health maintenance outside of Crohn’s management is also considered.

Impact of Complications

  • Hospitalizations and Complications: Any hospital stays or complications from Crohn’s disease can affect insurance rates.
  • Severity of the Condition: More severe cases might lead to higher premiums or limited coverage options.

Alternatives: Final Expense Plans

  • Final Expense Insurance: For those with significant complications, final expense insurance might be a viable option.
  • Coverage Limitations: These plans usually have lower coverage limits and are intended to cover end-of-life expenses.

Comparison of Insurance Options

Insurance TypeSuitability for Crohn’s DiseaseCoverage LimitPremium Impact
Standard Life PolicyBest for controlled casesHigherDepends on health
Final Expense PolicySuitable for severe casesLowerGenerally higher


Obtaining life insurance with Crohn’s disease is possible, especially if the condition is well-managed. Understanding the underwriting criteria and exploring all insurance options, including final expense plans, can help in making an informed decision. For those with Crohn’s, proactive health management is key to securing favorable insurance terms.

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Shawn Plummer

CEO, The Annuity Expert

Shawn Plummer is a licensed financial professional, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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