Jump to content
  • Sign Up
  • Join Our Community!

    Do you have questions about celiac disease or the gluten-free diet?

Rate this topic

Recommended Posts

Let me preface this by saying my husband was not diagnosed celiac disease by endoscopy...by the time he went for this test he was a year gluten-free so nothing celiac showed up. He did however test strongly positive for celiac disease the year prior to the test.

Last month he applied for an additional life insurance policy thru MetLife for the first time since he was 18 (life before celiac disease). He already has a very small MetLife life insurance policy from when he was 18.

From us, the agent learned what celiac disease is, etc. and submitted his application to his company for review.

Normal healthy people who don't smoke get a Standard rate or sometimes it's called Preferred rate. The agent could not presume my husband would get the best rate, and he even said my husband could be rejected. Strangely enough, the person at MetLife who reviews the health quesionnaires knew about celiac disease as she had several cross her desk in the past year.

The finality of this is that my husband was approved for the Standard rate!

Now what I think works in favor of celiacs is the fact that it is not considered a "disability" by Social Security. I think once you are pegged "disabled" it becomes a stigma.

For years, before celiac disease diagnosis, we never applied for life insurance for my husband because I thought for sure he'd be rejected due to his weight loss and GI symptoms.

So, if you're in NJ and need life insurance and want our agent's name and number send me a message (PM) and I'll give it to you.

D.

Edited by debmidge

Share this post


Link to post
Share on other sites

correction: NJ, NY and Mass. are all states he is available in.

Share this post


Link to post
Share on other sites

I recall reading someone posting a while ago about having a problem obtaining life insurance due to celiac and just wanted to put this out there in case others were or have the same problem. So we'll put New York Life on the list too, as companies that don't have a problem underwriting celiacs for life insurance.

Share this post


Link to post
Share on other sites

Thanks for doing that...my dh and I will probably be doing that in the next few years...

Share this post


Link to post
Share on other sites

Let me preface this by saying my husband was not diagnosed celiac disease by endoscopy...by the time he went for this test he was a year gluten-free so nothing celiac showed up. He did however test strongly positive for celiac disease the year prior to the test.

Last month he applied for an additional life insurance policy thru MetLife for the first time since he was 18 (life before celiac disease). He already has a very small MetLife life insurance policy from when he was 18.

From us, the agent learned what celiac disease is, etc. and submitted his application to his company for review.

Normal healthy people who don't smoke get a Standard rate or sometimes it's called Preferred rate. The agent could not presume my husband would get the best rate, and he even said my husband could be rejected. Strangely enough, the person at MetLife who reviews the health quesionnaires knew about celiac disease as she had several cross her desk in the past year.

The finality of this is that my husband was approved for the Standard rate!

Now what I think works in favor of celiacs is the fact that it is not considered a "disability" by Social Security. I think once you are pegged "disabled" it becomes a stigma.

For years, before celiac disease diagnosis, we never applied for life insurance for my husband because I thought for sure he'd be rejected due to his weight loss and GI symptoms.

So, if you're in NJ and need life insurance and want our agent's name and number send me a message (PM) and I'll give it to you.

D.

Share this post


Link to post
Share on other sites

I purchased a new term policy 18 months ago, and disclosed that I had celiac. The premium doubled! What do you do? If you don't disclose it, and they find out, no one will cover you. I don't know about cancelling it. At 50 anything but term is a waste of money.

Share this post


Link to post
Share on other sites

I have worked in the life insurance industry for many years. In that time I have routinely communicated with many underwriters directly, and I would be surprised to learn that anyone had been outright declined based on having celiac disease alone, i.e., an instant decline with no discussion. It certainly could be a factor in overall health condition, so not impossible to sometimes see an increased rate, but even that would depend on the individual health indicators of the person seeking insurance, and the severity of other conditions present, such as underweight, R.A., Lupus, cancer, etc.

My suggestion with celiac would be to shop around, and you may be surprised at the outcome. One thing I have seen is that all underwriters are different in their methodology, especially with something like celiac. High blood pressure, for instance, is viewed as a red flag to all insurers, but even that can see somewhat normal rates if controlled with medication, and a decision on rates could vary vastly from carrier to carrier.

And yes, on any application it is important to disclose the truth, especially as it relates to any conversations you may have had with a doctor. There is something called the Medical Information Bureau (MIB), that is dandy at picking up these little tidbits of data, including those notes that doctors make while you are talking to them, and it is always worse if a life underwriter finds out something material from MIB that was not disclosed on the application.

I have read where some will say that they have celiac disease even with no diagnosis, perhaps they are gluten intolerant but find it easier to put a name to it, unsure why, and I certainly respect their personal choice to do so. But in this age of instant information, you may want to consider sticking to the facts, rather than have to endure the possibility of higher insurance rates unjustly.

Share this post


Link to post
Share on other sites

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.

Guest
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.


  • Top Posters +

  • Upcoming Events

    • April 17, 2019 Until April 27, 2019
      0  
      April 17-27, 2020   For the past few years many of you have asked us to arrange a River Boat Cruise that will allow us to visit Amsterdam's famous Keukenhof Gardens at its prime time of the blossoming of the millions of Tulips and Hyacinths - alongside the windmills of the Netherlands.  With the participation of a minimum of 20 persons we have arranged an All-Inclusive Cruise from Antwerp to Amsterdam.  This cruise will not be offered to the public until January, 2019 and always sells out quickly.   THERE WILL BE NO MONEY REQUIRED NOR COMMITMENT FROM YOU until we have all the final costs and details.  If you are at all interested check out our website for as many of the details that we have as of this time.   We need your request to be placed on a list of interested participants so we can present that number to Uniworld to show we have the sincere interest in this All-Inclusive Bob & Ruth's Gluten-free Cruise.   PLEASE CHECK OUT OUR WEBSITE FOR THE DETAILED INFORMATION THAT WE HAVE AS OF THIS TIME.   http://bobandruths.com
    • April 24, 2019 04:00 PM Until 08:00 AM
      0  
       
       
       
      Celiac Emotional Healing Support Group
       
       
       
      Again you are invited to join Johnny Patout, LCSW for Baton Rouge's first emotional healing support group meeting to assist those living with celiac disease manage the emotional challenges so many of us face. Most often the emotional disturbances include depression, disinterest in normal activities, insomnia, grief, mood changes, anxiety, inability to concentrate, extreme concern about managing a gluten-free lifestyle and other emotional and behavioral challenges.
       
      The professionals at Jamestown Avenue Counseling Center created the emotional healing support group to give us a safe place to begin to process our emotions and support each other as we heal emotionally while managing celiac disease and the resulting autoimmune disorders.
       
      The emotional healing support group meets every Thursday, 6:00-7:00pm, at the Jamestown Avenue Counseling Center of Baton Rouge. Jamestown Avenue Counseling Center is located at 4637 Jamestown Avenue, Baton Rouge, Suite B-1. Suite B-1 is upstairs.
       
      The support group is free and open everyone managing celiac disease. For more information: emotionalhealingforceliacs@hotmail.com
    • May 04, 2019 Until May 05, 2019
      0  
      Nourished Festival is a family-friendly event with 10 locations across the US. Attendees will be able to sample food, health and beauty products, meet with companies, learn about the most current food lifestyles, receive coupons and attend educational sessions with industry experts. 
      Nourished Festival, managed by The Nourished Group and presented by Enjoy Life Foods, is the largest gluten-free, allergy-friendly and specialty diet event in the US, with 10 locations including.
      ABOUT THE NOURISHED FESTIVALS
      Managed by The Nourished Group, formerly The Gluten Free Media Group, The Nourished Festivals are the largest and fastest growing special diet consumer events in the United States. Started in 2007, the events have expanded from one to ten cities throughout the country. The festivals cater to anyone looking to lead a healthier lifestyle or those who follow a specialty diet due to autoimmune conditions, food sensitivities, allergies or intolerances. Offerings including Paleo, Keto, Plant-Based, Gluten-Free, Allergen-Friendly and Nut-Free products. The events provide the opportunity for attendees to sample and purchase new products, receive coupons, meet with brand ambassadors and attend educational classes with industry experts. For more information, visit http://www.nourishedfestival.com 
       
×
×
  • Create New...