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Life Insurance

diane64

By diane64
in Coping with Celiac Disease

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diane64 Apprentice
diane64
Posted

I have to get a new life insurance policy as my old one is almost up. I met with an agent and she asked if I have any health problems. I told her about my having celiac disease. I am wondering if anyone has had a problem getting life insurance because of celiac disease.

Thanks!

Diane

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Lisa Mentor
Lisa
Posted

I have to get a new life insurance policy as my old one is almost up. I met with an agent and she asked if I have any health problems. I told her about my having celiac disease. I am wondering if anyone has had a problem getting life insurance because of celiac disease.

Thanks!

Diane

I have not had experience with obtaining insurance. But, considering that Celiac Disease, in itself, does not require any medical intervention, *I* would not even mention it.

The "cure" for Celiac Disease is a gluten free diet, which is totally self controlled/regulated. I could see where insurance companies could be cautious.

starrytrekchic Apprentice
starrytrekchic
Posted

I have not had experience with obtaining insurance. But, considering that Celiac Disease, in itself, does not require any medical intervention, *I* would not even mention it.

Nooo...you definitely have to mention it. You have to declare anything that can cause health problems and death, and though celiac-caused lymphoma is rare, it does happen. If the OP was to get celiac-caused lymphoma and hadn't told the agent about it, they could refuse to pay the insurance.

Lisa Mentor
Lisa
Posted

Nooo...you definitely have to mention it. You have to declare anything that can cause health problems and death, and though celiac-caused lymphoma is rare, it does happen. If the OP was to get celiac-caused lymphoma and hadn't told the agent about it, they could refuse to pay the insurance.

I think I'd take my chances. ;) And eat well.

FooGirlsMom Rookie
FooGirlsMom
Posted

It would seem to me that anything you are "officialy" diagnosed with is easily obtainable via medical records so keeping Celiac a secret (which is a chronic condition & auto-immune) would need to be disclosed.

However, if you know you are gluten intolerant/celiac and it's not recorded anywhere, then I don't see how it could become an issue.

It's all about the documentation.

FooGirlsMom

Lisa Mentor
Lisa
Posted

It would seem to me that anything you are "officialy" diagnosed with is easily obtainable via medical records so keeping Celiac a secret (which is a chronic condition & auto-immune) would need to be disclosed.

However, if you know you are gluten intolerant/celiac and it's not recorded anywhere, then I don't see how it could become an issue.

It's all about the documentation.

FooGirlsMom

I must add, that my information is NOT documented. :) And I'm not advocating people to make false or untrue submissions.

diane64 Apprentice
diane64
Posted
  • Author

I don't plan on hiding my celiac disease. I was just wondering if it would affect my ability to get life insurance.

Thanks!

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Gemini Experienced
Gemini
Posted

I don't plan on hiding my celiac disease. I was just wondering if it would affect my ability to get life insurance.

Thanks!

It absolutely could,especially as you get older. I went to inquire about increasing my basic life insurance through work and along with age, they asked if you had any autoimmune issues. There were a few questions designed to weed out anyone with chronic conditions. I didn't go any further with it. You may be able to obtain some coverage but it may cost so much it wouldn't be feasible. Life and health insurance companies have really tightened up who they will cover. I don't think they care whether you follow the diet or not. If you are a diagnosed Celiac with documented testing, good luck because it may be difficult.

lovegrov Collaborator
lovegrov
Posted

My doctor had celiac and when he went to increase his life insurance they made him take a blood test to show he was compliant with the diet. He was able to get the insurance. This was a few years ago.

richard

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