Jump to content

  • 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:
    Support Our Content
    eNewsletter
    Donate

Life Insurance Question

skyepie

Recommended Posts

skyepie Newbie
skyepie
Posted

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!

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

Celiac.com Sponsor (A8-M):


Lockheed Apprentice
Lockheed
Posted

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.

busymommyofone Newbie
busymommyofone
Posted

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.

luvs2eat Collaborator
luvs2eat
Posted

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.

debmidge Rising Star
debmidge
Posted

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

SEAliac Rookie
SEAliac
Posted

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.

  • 1 month later...
gwen.8278 Newbie
gwen.8278
Posted

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!

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

Celiac.com Sponsor (A8-M):


debmidge Rising Star
debmidge
Posted
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.

Archived

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

Go to topic listing

  • Get Celiac.com Updates:
    Support Celiac.com:
    Join eNewsletter
    Donate
  • Celiac.com Sponsor (A17):
    Celiac.com Sponsor (A17):



    Celiac.com Sponsors (A17-M):



  • Recent Activity

    1. chrisinpa
      - chrisinpa commented on Scott Adams's article in Skin Problems and Celiac Disease
      2

      Celiac Disease and Skin Disorders: Exploring a Genetic Connection

      Maybe they can attribute certain skin conditions to either being susceptible to getting Celiac......or the other way around....but I have to ask if certain people are prone to Celiac because of genetics and some people aren't. It's kind of the same thing as what came first.....the chicken or the egg.?
    2. knitty kitty
      - knitty kitty replied to xxnonamexx's topic in Post Diagnosis, Recovery & Treatment of Celiac Disease
      3

      My journey is it gluten or fiber?

      @xxnonamexx, There's labeling on those Trubar gluten free high fiber protein bars that say: "Manufactured in a facility that also processes peanuts, milk, soy, fish, WHEAT, sesame, and other tree nuts." You may want to avoid products made in shared facilities. If you are trying to add more fiber to your diet to ease constipation, considering...
    3. trents
      - trents replied to sha1091a's topic in Celiac Disease Pre-Diagnosis, Testing & Symptoms
      1

      Issues before diagnosis

      Welcome to celiac.com @sha1091a! Your experience is a very common one. Celiac disease is one the most underdiagnosed and misdiagnosed medical conditions out there. The reasons are numerous. One key one is that its symptoms mimic so many other diseases. Another is ignorance on the part of the medical community with regard to the range of symptoms that celiac...
    4. trents
      - trents commented on Jefferson Adams's article in Other Diseases and Disorders Associated with Celiac Disease
      6

      Celiac Disease Patients Face Higher Risk of Systemic Lupus

      What kind of practitioner did the blood test? Was this a medical doctor, a naturopathic doctor, a GI doc? I would certainly follow up with them and ask why they advised you not to eat red meat. I mean, it could be something like they, themselves, are a vegetarian and give that advice to everyone. Have you had an endoscopy with biopsy of the small bowel...
    5. knitty kitty
      - knitty kitty replied to EndlessSummer's topic in Food Intolerance & Leaky Gut
      2

      Dizziness after eating green beans?

      @EndlessSummer, You said you had an allergy to trees. People with Birch Allergy can react to green beans (in the legume family) and other vegetables, as well as some fruits. Look into Oral Allergy Syndrome which can occur at a higher rate in Celiac Disease. Switching to a low histamine diet for a while can give your body time to rid itself of...
  • Celiac.com Sponsor (A19):

  • Member Statistics

    • Total Members
      132,689
    • Most Online (within 30 mins)
      7,748
    EndlessSummer
    Newest Member
    EndlessSummer
    Joined
  • Celiac.com Sponsor (A20):
  • Celiac.com Sponsor (A22):

  • Forum Statistics

    • Total Topics
      121.5k
    • Total Posts
      1m
  • Celiac.com Sponsor (A21):

  • Upcoming Events

  • Posts

    • knitty kitty
      My journey is it gluten or fiber?

      By knitty kitty · Posted

      @xxnonamexx, There's labeling on those Trubar gluten free high fiber protein bars that say: "Manufactured in a facility that also processes peanuts, milk, soy, fish, WHEAT, sesame, and other tree nuts." You may want to avoid products made in shared facilities.   If you are trying to add more fiber to your diet to ease constipation, considering eating more leafy green vegetables and cruciferous vegetables.  Not only are these high in fiber, they also are good sources of magnesium.  Many newly diagnosed are low in magnesium and B vitamins and suffer with constipation.  Thiamine Vitamin B1 and magnesium work together.  Thiamine in the form Benfotiamine has been shown to improve intestinal health.  Thiamine and magnesium are important to gastrointestinal health and function.  
    • trents
      Issues before diagnosis

      By trents · Posted

      Welcome to celiac.com @sha1091a! Your experience is a very common one. Celiac disease is one the most underdiagnosed and misdiagnosed medical conditions out there. The reasons are numerous. One key one is that its symptoms mimic so many other diseases. Another is ignorance on the part of the medical community with regard to the range of symptoms that celiac disease can produce. Clinicians often are only looking for classic GI symptoms and are unaware of the many other subsystems in the body that can be damaged before classic GI symptoms manifest, if ever they do. Many celiacs are of the "silent" variety and have few if any GI symptoms while all along, damage is being done to their bodies. In my case, the original symptoms were elevated liver enzymes which I endured for 13 years before I was diagnosed with celiac disease. By the grace of God my liver was not destroyed. It is common for the onset of the disease to happen 10 years before you ever get a diagnosis. Thankfully, that is slowly changing as there has developed more awareness on the part of both the medical community and the public in the past 20 years or so. Blessings!
    • knitty kitty
      Dizziness after eating green beans?

      By knitty kitty · Posted

      @EndlessSummer, You said you had an allergy to trees.  People with Birch Allergy can react to green beans (in the legume family) and other vegetables, as well as some fruits.  Look into Oral Allergy Syndrome which can occur at a higher rate in Celiac Disease.   Switching to a low histamine diet for a while can give your body time to rid itself of the extra histamine the body makes with Celiac disease and histamine consumed in the diet.   Vitamin C and the eight B vitamins are needed to help the body clear histamine.   Have you been checked for nutritional deficiencies?
    • sha1091a
      Issues before diagnosis

      By sha1091a · Posted

      I found out the age of 68 that I am a celiac. When I was 16, I had my gallbladder removed when I was 24 I was put on a medication because I was told I had fibromyalgia.   going to Doctor’s over many years, not one of them thought to check me out for celiac disease. I am aware that it only started being tested by bloodwork I believe in the late 90s, but still I’m kind of confused why my gallbladder my joint pain flatulent that I complained of constantly was totally ignored. Is it not something that is taught to our medical system? It wasn’t a Doctor Who asked for the test to be done. I asked for it because of something I had read and my test came back positive. My number was quite high.Are there other people out here that had this kind of problems and they were ignored? 
    • trents
      Dizziness after eating green beans?

      By trents · Posted

      Welcome to celiac.com, @EndlessSummer! Do you react to all vegetables or just specific kinds or families of them? What you describe with green beans sounds like it has an anaphylaxis component. Like you, walnuts are a problem for me. They will often give me a scratchy throat so I try to avoid them. Does it matter if the vegies are raw or will-cooked in how you react to them?
×
×
  • Create New...

Important Information

NOTICE: This site places This site places cookies on your device (Cookie settings). on your device. Continued use is acceptance of our Terms of Use, and Privacy Policy.