Life Insurance and Ulcerative Colitis: Buyer’s Guide

Consider Accidental Death Insurance

Accidental death insurance is likely an option if you can’t get traditional life insurance. This policy provides a death benefit if you die due to an accident.

This policy doesn’t provide complete protection. If you die due to illness, such as a heart attack or cancer, it won’t pay a death benefit. But it still provides some peace of mind and is very affordable.

Consider Life Insurance Through Your Employer

Many employers offer a small amount of group life insurance for very cheap or free. Take advantage of this.

Typically, you can buy additional life insurance coverage on top of the free group insurance without going through any underwriting. This is called voluntary life insurance; you can often buy up to 3-5 times your salary.

If you were denied traditional life insurance, we recommend accepting the group life insurance coverage and buying as much voluntary supplement coverage as you can comfortably afford.

Try Applying Again Through a Broker

If you applied through a captive agent, it might benefit you to apply to a broker. Captive agents only have access to the life insurance company that employs them, while independent brokers have access to many.

Not all life insurance companies underwrite the same way. The reason for your denial at one company may not necessarily result in a denial at another. Working with a broker is the best way to determine if you can get approved for life insurance.

Discover how agents and brokers differ and which is best for you.

Are you ready to take the next step? Get a term life insurance quote now and begin the process.

After you apply online, a dedicated Quotacy agent will take over, shopping your case with our top-rated life insurance companies to ensure you receive the best possible price. Don’t leave your future to chance. Let us help you find the right coverage today.