Crohn’s disease, you are no match for burial insurance. Over the years Advanced Mutual Group has helped many people find peace of mind for final expense and burial insurance policies. Can you get burial insurance with Crohn”s disease? Crohn’s disease is not a life-threatening medical condition. Fortunately, it is treatable and can be managed by the patient and a good gastroenterologist.
Crohn’s disease and applying for burial insurance are easy to deal with. The are NO WAITING periods. By that I mean life insurance rates are not placed in a high-risk category unless you have other health issues. Also, there are health questions on every burial insurance application called life insurance underwriting. If you are in a high-risk category then you might want to apply for guaranteed issue life insurance in which there are no questions asked to be approved for life insurance.
We have many affordable options that are available. On a personal note, I have IBS which is irritable bowel syndrome, and can empathize with some of the symptoms that are associated with Crohn’s disease. Hi, my name is Mitch Winstead from Advanced Mutual Group. We are experts on life insurance and final expense insurance which is called burial insurance also. We have been helping people for over 36 years nationwide. We can help you too! Call or email us today! Our burial insurance policies are state-regulated and do not require a medical exam. The beneficiary will receive a tax-free death benefit payout. We offer free advice with no obligations to buy if you want a life insurance quote. Our toll-free number is 866- 598 – 8170. Or 910-538-4547 or 910-452-1922. Our email address is Mitch@allstarseniorbenefits.com Our website is www.allstarseniorbenefits.com or www.advancedmutualgroup.com When it comes to buying insurance especially final expense insurance, the companies have to put you through what is called underwriting or also known as health questions on the application. They also ask questions about the medicines you’re taking and doing a pharmacy search. They will also sometimes check what is called a MIB file which is the Medical Information Bureau. MIB is a typical life insurance or health insurance way of finding out medical information on a potential client.
Sometimes if you answer yes on a life insurance or health insurance application it may mean that you will be denied. Or it could mean that you will have to wait until you get full benefits from a life insurance policy. On some burial insurance applications though it means that they are okay with a certain health condition. So what is the bottom line for you as an applicant?
When the insurance company does a pharmacy search on medicines that apply to Crohn’s disease most of the time they don’t have an effect on getting your application approved. Sometimes when you’re taking medicine like prednisone which is a common medicine for Crohn’s disease. It may cause you to have a side effect of diabetes. However, knowing this is the case, diabetes is very rarely a complication that would cause you to be declined for final expense insurance. Some other medications prescribed for Crohn’s disease are Mercaptopurine. This is a drug primarily prescribed for Cancer. Naturally, the insurance company provider will want to make sure you don’t have a diagnosis of cancer before they will approve you for life insurance.
Another medicine that insurance companies look out for is called Cyclosporine. this is a drug typically prescribed for the rejection of an organ transplant. your doctor may prescribe this to you temporarily. the insurance companies in the Underwriting Department will want to make sure you are not a recipient of an organ transplant. once they rule that out then you will have no issues to be approved for burial insurance.
If you have any questions about this please give our office a call at our toll-free number 866-598-8170 or 910-452-1922. Another medicine that might be a complication is called methotrexate this medicine is sometimes prescribed for rheumatoid arthritis and Crohn’s disease.
So now let’s talk about Crohn’s disease facts in a little bit more detail. Crohn’s disease can be sometimes painful and uncomfortable. However, it won’t affect your ability to get an affordable final expense/burial insurance policy most of the time it will be a non-issue. As many as 700,000 + American people have Crohn’s disease. Currently, there is no cure. Regardless of Crohn’s symptoms and causes, there are treatments that will help manage it.
Let’s take a look at some of the symptoms of Crohn’s Disease
Diarrhea, stomach pain, weight loss, bleeding from your rectum, constipation, fatigue, nausea, fever and sudden and frequent urge to go to the bathroom. Some people might not get all of these. The disease affects each person differently. The symptoms may be mild or they can leave you very weak.
The most serious cases of Crohn’s can cause painful tears called fissures in the lining of the anus, mostly during bowel movements.
Fistulas- which are passages that form between loops of the intestine or between the intestines and the vagina, skin, and bladder.
Thickening of intestine walls, which makes it hard for food and waste to move.
A partly or totally blocked intestine for which you would need medical care right away.
Open sores called ulcers in the intestines mouth or anus.
Malnutrition as your body is not able to absorb enough nutrients from food.
Pain, swelling and burning in other parts of your body such as your skin, eyes, and joints.
Sometimes Crohn’s disease is misdiagnosed or confused with another condition called ulcerative colitis
The symptoms or similar, and both involve periods of active flare-ups followed by times when you don’t have symptoms which are called remission
The only way to find out if you have Crohn’s disease or ulcerative colitis is to see your doctor for tests.
There aren’t any single tests that can diagnose Crohn’s disease. your doctor is likely to gather information from multiple sources the test you will go through or a combination of Health exams lab work and imaging studies with these goals in mind :
1. The doctors want to rule out any other health problems.
2. Your doctor wants to make a specific diagnosis of Crohn’s disease.
3. Also to target the exact area where the disease is on the digestive tract.
The physical exam will look for these symptoms of Crohn’s
Stomach pain and cramps, blood in your stool, diarrhea, fatigue, fever, lack of appetite, mouth sores, urgent bowel movements, and weight loss.
Your Medical provider or gastroenterologist may run lab tests to look for problems that might be linked to Crohn’s disease these tests check for signs of inflammation internal bleeding infection and low levels of substances such as protein iron and minerals.
Here are a few blood tests that may include: antibody tests, electrolyte panel, C-reactive protein, erythrocyte sedimentation rate, iron, and B12 levels and liver function studies.
Crohn’s disease may appear anywhere along the gastrointestinal tract. From the mouth to the rectum. X-rays and other imaging can help identify how severe the disease is and the location.
Some of the tests include balloon-assisted enteroscopy. This test allows the doctor to examine all 20 feet of your intestines. The doctor uses a special flexible tube called an endoscope, which has a tiny camera on one end.
Other tests may include a Colonoscopy, an MRI which is also known as magnetic resonance imaging.
What causes Crohn’s Disease?
According to the Mayo Clinic, doctors do not know what causes Crohn’s disease. They suspected it was caused by diet and stress. These factors may make the symptoms worse but they are still searching for the cause.
Crohn’s Disease Treatment
There are a variety of medicines to treat Crohn’s disease. sometimes simple antibiotics may help with symptoms. also, a medicine called Flagyl will help with symptoms of flatulence.
Other medicines include antidiarrheals such as Imodium or the doctor may try a fiber supplement such as Metamucil or Citrucel to help relieve moderate diarrhea by adding bulk to your stool.
Surgery is also a treatment if lifestyle changes and a Crohn’s disease diet or drug therapy and other treatments do not leave your signs and symptoms of Crohn’s disease. Usually, a combination of surgery with medication minimizes the risk of any recurring symptoms of Crohn’s Disease.
We are experts on life insurance/ burial insurance. If you were declined for term life insurance and Crohn’s disease, call or email us. There are no life insurance age brackets with burial insurance. We have been helping people for over 36 years nationwide. We can help you too! Call or email us today! Our burial insurance policies are state-regulated and do not require a medical exam. The beneficiary will receive a tax-free death benefit payout. We will strive for our goal of getting you the best premiums available. We offer free advice with no obligations to buy. Our toll-free number is 866- 598 – 8170 or 910-452-1922. Our email address is Mitch@allstarseniorbenefits.com Our website is www.advancedmutualgroup.com
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