Jump to content
This site uses cookies. Continued use is acceptance of our Terms of Use and Privacy Policy. More Info... ×
  • Welcome to Celiac.com!

    You have found your celiac tribe! Join us and ask questions in our forum, share your story, and connect with others.




  • Celiac.com Sponsor (A1):



    Celiac.com Sponsor (A1-M):


  • Get Celiac.com Updates:
    Where Your Contribution Counts!
    eNewsletter
    Support Us!

Life Insurance Question


skyepie

Recommended Posts

skyepie Newbie

Hi -

I'm 4 years in to a 10 year term life insurance policy, and we met with our agent yesterday who recommended that we switch to a 20 year term. For a variety of reasons, we're doing so, and I'm increasing the amount of my policy. (Worth more dead than alive, <smirk>!) At any rate, I have not yet disclosed that I have a positive diagnosis for Celiac, and my diagnosis came just a year ago, while I was already enrolled in my 10 year policy. Because I'm increasing my amount and adding to the term, I have to have another health screening. I know they're primarily interested in BMI and tobacco, but I also know I'll be asked some health-related questions. From the first time around a few years ago, I recall questions related to diabetes, and other disorders. But I'm wondering if I'd be lying by omission if I didn't mention celiac disease? Will it cause me problems to disclose?

Does anybody have experience with this?

Thanks in advance!

Link to comment
Share on other sites

Celiac.com Sponsor (A8):
Celiac.com Sponsor (A8):



Celiac.com Sponsor (A8-M):



Lockheed Apprentice

Yes. I have a life insurance policy through State Farm and my premium is twice that of a smokers because I disclosed that I have celiac disease. However, if you have it and do not disclose it, that can be grounds for them not to pay out on the policy. So my only recommendation would be to not cancel your old one until you know what the new rate and terms are. Now my agent did state that after 3 years on a gluten free diet and a follow-up colonoscopy with no issues that he would go back to the underwriter and request a rate adjustment. I did that this last spring and there hasn't been a response from the underwriter. I may press the issue next year.

Link to comment
Share on other sites
busymommyofone Newbie

We have been thinking of buying life insurance for me. What do I do now that I have it? How much are we talking about? I was diagnosed last year.

Link to comment
Share on other sites
luvs2eat Collaborator

I was just looking at life insurance and noticed the "do you have an autoimmune disorder?" question. As one who works w/ medical insurance policies... your policy can be rescinded or voided if you don't answer these questions honestly.

Link to comment
Share on other sites
debmidge Rising Star

Try Metlife as they did a good job for us....

Link to comment
Share on other sites
SEAliac Rookie

I disclosed to Northwestern Mutual when my husband and I were planning to get additional life insurance. My premium would have been about 1/2 again as much because of celiac disease. After 2 years they would reassess but don't promise anything. They also increased my husband's quoted premium due to elevated liver enzymes (he has genetic cholesterol issues). We declined the 20-year term policies with higher premiums because we simply don't think we're a risk due to our young ages and otherwise healthy bodies. We're staying with our existing policies for now and will shop around a little more.

If you don't disclose, they can decline payment later. It's a balancing act whether you want to risk that.

Link to comment
Share on other sites
  • 1 month later...
gwen.8278 Newbie

I would definitely disclose your celiac disease to your insurance company, because as Lockheed pointed out you might be sorry later on when they don't pay out part of or all of your money.

My boyfriend has a term life insurance and he also asked for the conditions at his current insurer and other companies now that he is suffering from celiac disease. I am not sure if he stayed with his current insurance company, but it seems it is definitely worth shopping around!

Link to comment
Share on other sites

Celiac.com Sponsor (A8):
Celiac.com Sponsor (A8):



Celiac.com Sponsor (A8-M):



debmidge Rising Star
Yes. I have a life insurance policy through State Farm and my premium is twice that of a smokers because I disclosed that I have celiac disease. However, if you have it and do not disclose it, that can be grounds for them not to pay out on the policy. So my only recommendation would be to not cancel your old one until you know what the new rate and terms are. Now my agent did state that after 3 years on a gluten free diet and a follow-up colonoscopy with no issues that he would go back to the underwriter and request a rate adjustment. I did that this last spring and there hasn't been a response from the underwriter. I may press the issue next year.

Agree....keep old policy in force. You'll never get that deal again if without celiac.

However, let them go through their motions quoting you a policy. Try Metlife, our

experience was that they know what celiac is and what questions to ask.

Link to comment
Share on other sites

Archived

This topic is now archived and is closed to further replies.


  • Celiac.com Sponsor (A19):



  • Member Statistics

    • Total Members
      120,478
    • Most Online (within 30 mins)
      7,748

    Susan Maxwell- Trumble
    Newest Member
    Susan Maxwell- Trumble
    Joined

  • Celiac.com Sponsor (A20):


  • Forum Statistics

    • Total Topics
      120.2k
    • Total Posts
      1m

  • Celiac.com Sponsor (A22):





  • Celiac.com Sponsor (A21):



  • Upcoming Events

  • Posts

    • Tlbaked13
      Thank you and I am aware that I should be eating a "normal" diet until tested it's kind of been trial and error for my diet or more like just ERROR! I about 1-3 bites a meal I'm to a point that 99 percent of the time I'm having trouble swallowing just about everything occasionally I find either something or a very small window of time that allows me to get very little of something! I am basically getting zero nutrition what so ever because I take one bite of the meal that I usually just slaved over just to end up tossing it when it's all said and done...did anyone else ever experience anything like this?  I am more then open to suggestions! It is taking a very extreme toll on me and my body forsure 
    • JustGemi
    • trents
      No! Do not start the gluten free diet until you know whether or not you will be having an endoscopy/biopsy to verify the blood antibody test results. Starting gluten free eating ahead of either form of diagnostic testing can invalidate the results. You don't want to allow the villous lining of the small bowel to experience healing ahead of testing by removing gluten.
    • Scott Adams
      We offer a ton of recipes here: https://www.celiac.com/celiac-disease/gluten-free-recipes/ and have done some articles on fast food places, but keep in mind that eating out is a common source of gluten contamination: https://www.celiac.com/search/?q=fast food&quick=1&type=cms_records2 Many colleges now offer allergen-friendly, and sometimes gluten-free options in their student cafeterias: https://www.celiac.com/search/?&q=colleges&type=cms_records2&quick=1&search_and_or=and&sortby=relevancy PS - Look into GliadinX, which is a sponsor here, but many studies have been done on it which show that it may break down small amounts of gluten in the stomach, before it reaches the intestines.
    • JustGemi
      Thank you! What do you recommend in the next 7 weeks until I see my Doctor?  Just start my Gluten free diet?
×
×
  • Create New...