Life Insurance Advice for Crohn’s Disease


If you’ve recently been diagnosed with Crohn’s Disease, then you may already know how difficult it is to get proper insurance coverage for your condition. Because of its complex and unpredictable nature, most insurance companies hesitate to provide appropriate life insurance for those with Crohn’s Disease. Special Risk Managers, however, can help you by providing the right life insurance advice and finding the best insurance plan for you.

We specialise in helping high-risk clients (i.e. those considered uninsurable) get the life insurance they need for whatever they’re facing. Because of our expertise and our executive level relationships at many of Australia’s leading insurers, we’re able to provide quality life insurance advice and often help clients get appropriate cover despite their condition or situation.

If you’ve been trying to get insurance and are tired of being turned down in your applications because of Crohn’s Disease or some other condition, then come see us. We’re the industry leaders in getting insurance coverage for patients with chronic illnesses, helping those who might not be able to get cover otherwise.

Call us today on 1300 66 53 56 or send us your enquiry to info@specialriskmanagers.com.au to get started.
 

Crohn’s Disease in Australia

According to a report by the Digestive Health Foundation, around 28,000 Australians have had Crohn’s disease as of 2013. What’s more concerning, however, is that Australia is also one of the countries where this condition is most prevalent. A 2013 report by Crohn’s & Colitis Australia shows that there were around 75,000 Australians who had either Crohn’s Disease or ulcerative colitis as of that year, a number that the organisation estimates to rise to around 100,000 by the year 2022.

Because this disease is chronic and still has no definite cure, it can lead to several complications and challenges down the road, especially if symptoms become severe. This can cause additional emotional and physical stress on the patient, not to mention the anxiety of potential financial burdens of lifelong treatments.

Given these, it’s clear that patients with Crohn’s Disease would benefit from life insurance and the right protection in times of need. And although these may be more difficult to get for those with this condition, it’s definitely not impossible.

This is where Special Risk Managers come in. We’ll help you find the insurance you need and the cover you deserve.
 

 


 

The Challenges of Crohn’s Disease

Crohn’s Disease can develop at any age, although it commonly surfaces when patients are young or in their adolescent stages. And while its exact cause is still unknown, some people are thought to be more genetically predisposed to it than others. In fact, if your family has a history of inflammatory bowel disease (IBD), then you may have a higher chance of developing this condition.

There are five main types of Crohn’s Disease that are classified by the part of the digestive tract it affects:

Ileocolitis

This is the most common type of Crohn’s disease, affecting the colon and the ileum (the lower section of the small intestine). Symptoms for Ileocolitis include diarrhoea, weight loss, and cramps in the lower right abdomen.

Ileitis

Ileitis is a condition characterised by inflammation of the ileum. Its effects are similar to Ileocolitis, with weight loss, diarrhoea, and abdominal cramps as the major symptoms. Aside from this, some inflammatory abscesses may also be present in the lower abdominal region.

Gastroduodenal Crohn’s Disease

Gastroduodenal Crohn’s Disease is a type that affects the stomach and the duodenum, which is the upper part of the small intestine that connects to the stomach. Typical symptoms include nausea, weight loss, and a lack of appetite. In some cases, inflammation can cause the bowel to get blocked, which can also cause vomiting.

Jejunoileitis

Jejunoileitis occurs when the top half of the small intestine (also called the jejunum) becomes inflamed because of this disease. Common symptoms include diarrhoea, abdominal pain, and experiencing cramps after meals.

Crohn’s Colitis

Unlike the other forms of Crohn’s Disease, this type primarily affects the colon. Inflammation in this area can cause symptoms like diarrhoea, skin lesions, and rectal bleeding.
 

Getting Insurance with Crohn’s Disease

Like other people who have serious and chronic diseases, those with Crohn’s Disease usually find it difficult to get reliable life insurance advice and appropriate cover for their condition. And because symptoms and complications can vary significantly depending on its severity, many insurance companies hesitate to provide cover to those with this condition.

If you or your loved one has Crohn’s Disease, don’t let this condition stop you from getting the cover you need. Our experience and relationships allow us to find insurance policies and plans that best fit your needs and situation, at an affordable price.
 

Working with Special Risk Managers

When it comes to helping clients get life insurance advice and the cover they need no matter their condition, no one does it better than Special Risk Managers. We’re the industry leaders in this field, and we’re proud to help anyone who needs our service, especially those who have been turned down by most standard insurance companies.

Because we’re experts in providing life insurance advice to “high-risk “clients, we understand better than anyone else the difficulties of applying for life insurance or income protection with Crohn’s Disease.

In fact, we regularly attend to advisors from all over the country who seek our help in finding insurance for their clients. This proves our expertise and long-standing reputation in the industry, displaying our ability to help you no matter your condition.

So don’t let Crohn’s Disease or any other medical condition stop you from getting life insurance. With our help, you’ll get the life insurance you need and know what your best options are. Call us today at 1300 66 53 56 to find out how we can help.

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We can Help You. Call Us 1300 66 53 56

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