Life Insurance with Irritable Bowel Syndrome

In a hurry, complete this questionnaire and I’ll send you a quote for mortgage protection with IBS.

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We know how awful irritable bowel syndrome (IBS) is, being prone to constipation, alternating sometimes with diarrhoea, and constantly feeling like a beast has taken up residence in your gut.

Arranging mortgage protection cover or life insurance with irritable bowel syndrome should be a breeze in comparison…if you choose the right insurer.

That’s where we come in.

We’re Ireland’s specialist life insurance advisor which means we know which insurer to approach if you have IBS saving you time, hassle and most importantly money.

Contents

Can you get Mortgage Protection with Irritable Bowel Syndrome?

The good news is that most people with IBS can qualify for Mortgage Protection without having to pay extra.

IBS affects as many as one in five Irish people and is most common in people in their 20s and 30s, and affects more women than men.

In some people, irritable bowel syndrome is a mild annoyance, while in others it can be much more serious.

As it’s so common, the life insurance companies can give a decision quickly once you have the relevant details:

What Information will the Insurance Company Need?

Using a questionnaire, the insurer will look for the following information:

Severity and frequency of symptoms
Impact on your daily activities
Results of any investigations to exclude other underlying causes
Your response to treatment
Any underlying cause? Stress/anxiety

If you can give clear answers, there will be no need for further medical information.

But if your answers are vague, the insurance company may request a medical report from your GP.

What if there is an Underlying Cause like Stress?

Stress can be a trigger for irritable bowel syndrome (IBS) symptoms in many people.

If stress is contributing to your IBS, the insurer will ask for more details.

How Much does Life Insurance with IBS Cost?

If there is no underlying condition and you have a formal IBS diagnosis, you shouldn’t pay extra.

You should qualify for the normal price – compare the best life insurance quotes here.

Anything Else I Should Know About?

If you have been referred for an investigations (e.g. colonoscopy), all of the insurers will postpone offering any type of cover until it has been complete.

I know a lot of people are on a waiting list:

One TD who spoke to The Journal said that they have been informed that 32 weeks is the waiting list in the private sector, while it up to a year for a colonoscopy in the public sector, with the results “taking weeks and months” afterwards.

I’m sorry our health service is letting you down 😔

If you need cover for a mortgage, but can’t get it due to an upcoming investigation, you can request a Mortgage Protection waiver from your bank.

Which Insurer is Best for IBS?

This changes regularly as the underwriting departments at the various insurers change their rules.

We’ll check with all of the insurers to make sure you get the best price with the least amount of hassle.

How to Deal with IBS?

Here are some articles you may find useful

What is IBS & How do you deal with it?

‘Don’t self-diagnose, as it’s important to rule out other conditions that can mimic IBS, such as coeliac disease or Inflammatory Bowel Disease’

Living with IBS

Testing for IBS (THE FAECAL CALPROTECTIN TEST)

Over to You…

Don’t let your health condition discourage you from applying for Life Insurance or Mortgage Protection.

Cover is available if you do your homework and use a specialist broker…with knowledge of the whole market.

That’s why I’m here, to guide you through the whole journey. From beginning to end.

There are quite a few insurers in Ireland, which means that you could spend ages stuck on the phone, pressing one for this, two for that, feeling your life slowly ebb away.

And when you finally get to speak with someone they haven’t a clue about how your condition will affect your application.

They’ll send you a 20 page form to complete, cross their fingers and hope for the best.

Instead, let me do all of that hard work for you.

Calling me is like contacting all 5 insurers at once.

Where else can you get this kind of service?