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Life Insurance With Crohns Disease

  • Life insurance available with Crohn's Disease
  • Severity and control affect premiums
  • Specialist impaired risk underwriting
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Life Insurance With Crohns Disease

Comprehensive guide to life insurance with Crohn's Disease. Yes, you can get life insurance with Crohn's Disease - premiums depend on severity and how well your condition is controlled. Mild, well-controlled Crohn's (no flare-ups for 2+ years, no surgeries) typically adds 10-50% to premiums, moderate Crohn's with occasional flare-ups adds 50-100%, while severe Crohn's with complications or multiple surgeries adds 100-200%+. Our specialist impaired risk team with 15+ years experience can find insurers offering competitive rates based on your specific Crohn's history, medications, and management.

By: Lorna Bailey Protection Expert Updated: 5th January 2026

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How will Crohn's Disease affect your life insurance?

Yes, the good news is, it could still be possible to purchaselife insuranceif you're living withCrohn's Disease.

Many think that, due to having Crohn's, life insurance is unobtainable. But this isn't always the case.

Whilst your condition could affect your application, many other factors are taken into account by insurers to determine the cost of your premiums and eligibility.

Shopping around multiple insurers can assist you to find the most suitable options for those with Crohn's Disease.

At LifePro we can assist you do this by comparing quotes from the UK's best insurers, as well as smaller specialist insurers that are available through our advised team.

Keep reading to discover everything you must know about securing life insurance with Crohn's Disease…

How much life insurance do you need with Crohn's Disease?

calculate how much life insurance you may need based on your current financial commitments and what you want your policy to cover. Simply complete the fields which apply to you for an instant calculation.

The amount of life insurance you need depends on your financial obligations and what you want to provide for your loved ones. A common rule of thumb is to have cover worth 10 times your annual salary, though your individual circumstances may require more or less.

Consider the following when calculating your life insurance needs:

  • Outstanding mortgage balance
  • Other debts and loans
  • Income replacement for your family (typically 5-10 years of salary)
  • Children's education costs
  • Funeral expenses (typically £4,000-£10,000)
  • Any specific financial goals for your dependents

For example, if you have a £200,000 mortgage, earn £40,000 per year, and want to provide 10 years of income replacement, you might need around £600,000 of cover (£200,000 + (£40,000 × 10)).

Use our free comparison tool to get personalised quotes from 50+ UK insurers, including Life Insurance With Crohns Disease, and find the right level of cover for your needs at the best available price.

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Why those with Crohn's Disease should secure cover through LifePro?

  • Whole-of-market comparison from 50+ UK insurers
  • Expert advice from FCA-regulated advisors
  • No extra cost - insurers pay our commission
  • Fast quotes in 60 seconds
  • Support throughout your policy lifetime

What's the best life insurance for people with Crohn's Disease?

As someone with Crohn's Disease, thebest life insurancefor you will depend on what you want to cover, your available budget and the personal circumstances of your condition.

There's no specific Crohn's Disease life insurance policy, therefore the options available to you will be no different to a standard applicant.

The only difference is that the price you pay and the policy terms you're able to secure may be affected by your condition.

There are four life insurance policies available, these include:

Compare life insurance quotes for Crohn's Disease

Whilst it's still possible to secure life insurance with Crohn's Disease, the price you'll cover cover could be impacted by your condition.

This makes it even more important to compare prices to find the most affordable cover.

At LifePro, we work with panel of insurers to assist you discover the best cover for your needs, at the right price.

Our specialist team could assist you find some form of cover, even if you've been declined before.

Rest assured you're in good hands, so why not contact us for your free and no-obligation quotes today?

Frequently Asked Questions

Can I get life insurance if I have Crohn's Disease?

Yes, you can get life insurance with Crohn's Disease. Mild, well-controlled Crohn's typically adds 10-50% to premiums. Moderate Crohn's with occasional flare-ups adds 50-100%. Severe Crohn's with complications or multiple surgeries adds 100-200%+ or may require specialist insurers. Most people with Crohn's can get cover - premiums depend on severity and management.

How much does life insurance cost with Crohn's Disease?

Costs vary by severity. Example: A 35-year-old with mild, well-controlled Crohn's (no flare-ups for 2+ years, no surgeries) might pay £12-18/month for £200,000 cover over 25 years (vs £10-15/month standard). Moderate Crohn's with occasional flare-ups might pay £20-30/month. Severe Crohn's with complications could pay £30-50/month or more.

What information do insurers need about my Crohn's Disease?

Insurers typically ask: Date of diagnosis, Current symptoms and severity, Frequency of flare-ups, Medications (e.g., steroids, biologics, immunosuppressants), Surgeries (bowel resections, fistula repairs), Complications (strictures, fistulas, abscesses, perforations), Time off work due to Crohn's, Latest colonoscopy results. Having this information ready speeds up the application process.

Will I need a medical exam with Crohn's Disease?

It depends on severity and cover amount. Mild, well-controlled Crohn's with cover under £300,000 may only need a health questionnaire. Moderate/severe Crohn's or cover over £300,000 typically requires GP reports. Very high cover amounts (£500,000+) or recent complications may require phone health assessments or medical exams to verify current condition.

Can I get life insurance if I've had Crohn's surgery?

Yes, but it affects premiums. One successful surgery with good recovery and no further complications may add 25-75% to premiums. Multiple surgeries add 75-150%+. Recent surgery (within 6-12 months) may result in postponement until recovery is confirmed. Ostomy/stoma doesn't automatically disqualify you but does increase premiums. Specialist insurers are essential for complex surgical history.

How can I get cheaper life insurance with Crohn's Disease?

Tips to reduce premiums: 1) Maintain long remission periods (2+ years without flare-ups = much better rates), 2) Follow treatment plans consistently (compliance matters), 3) Avoid smoking (doubles premiums regardless of Crohn's), 4) Apply through specialist brokers who know which insurers offer best Crohn's rates, 5) Consider shorter terms or family income benefit policies (cheaper than level term), 6) Compare multiple insurers - rates vary significantly.

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