Ulcerative Colitis and Life Insurance

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Ulcerative Colitis and Life Insurance

Ulcerative colitis, also called UC, is one type of inflammatory bowel disease. UC is a particular type of colitis, which is a disease of the intestine. People with UC experience diarrhea mixed with blood, and as it further develops the disease can influence many parts of the body.

Is IBD the same as IBS?

No, UC is different to IBS, because it is much more serious. UC is more similar to Crohn’s disease.

What happens to someone with UC?

UC comes in waves, with times when symptoms are exacerbated and other when symptoms appear to recede. The disease usually requires treatment to go into remission.

How common is Ulcerative Colitis?

UC is rare, and affects approximately one in ten thousand people in North America.

What causes UC?

Ulcerative Colitis has no known cause, but experts suspect that it is genetic. Patients inherit susceptibility to the disease, which is then triggered by environmental factors.

How is UC treated and can it be cured?

Ulcerative Colitis can be cured by a colectomy, but this only occurs in the most serious cases. Colectomy means the removal of the large bowel. Generally though, treatment is with anti-inflammatory medication, immunosuppressant drugs, and biological therapy.

How does having ulcerative colitis affect life insurance?

Some life insurance companies apply ratings to people with UC, leading to inflated premiums and more expensive policies. Seeking the advice of a specialist insurance company ensures fair treatment.

Click here for a free, no-obligation specialist life insurance with UC insurance quote form