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Ulcerative Colitis Life Insurance

You may have found it difficult to secure life insurance with Ulcerative Colitis Life Insurance. But rest assured, The Insurance Surgery has over 25 years of experience finding suitable policies for our clients.

What Is Ulcerative Colitis Life Insurance?

If you suffer from Ulcerative Colitis and need Life Insurance, you may have struggled to get cover in the past. At The Insurance Surgery, we are specialists in life insurance for pre-existing medical conditions, including Ulcerative Colitis.

Life Insurance for people who suffer from Ulcerative Colitis is generally accepted by the majority of providers. It will either be at standard rates (no loading) or can come with special terms. Where additional loadings or special terms are applied, this will usually be due to more regular symptoms and medication / treatment.

It is possible to obtain Life Insurance for Ulcerative Colitis at standard rates with no additional loading. This is when symptoms are less frequent or there have been no symptoms in the past 12 months.

If your Ulcerative Colitis diagnosis was recent, it may be possible to postpone Life Insurance cover until your condition stabilises. Your cover may be postponed if you’ve recently had surgery or you are awaiting surgery. It may also be postponed when Ulcerative Colitis is combined with other linked conditions such as Liver Disease.

High blood pressure (hypertension)

Increased stroke risk

Risk of aortic rupture

Nosebleeds

Angina

Cramping sensations in the legs

Sensitivity to hot and cold

Weak muscles

Those with severe coarctation of the aorta usually require surgery, although this will depend on their age and overall health. The required procedure is one that widens the aorta, known as an angioplasty procedure.

How Ulcerative Colitis Life Insurance works:

STEP 1

Complete form

STEP 2

Speak to us about your needs

STEP 3

We’ll search the market

STEP 4

We recommend the best product to suit your needs

STEP 5

Tell us when you want it to start!

For people who suffer from Ulcerative Colitis, life insurance underwriters will want the following information:

Age at diagnosis

Medication / treatment

Frequency of symptoms (Flare-ups)

Any hospital admissions

Related conditions (e.g. Liver Disease)

At The Insurance Surgery we have extensive knowledge and experience of the insurance market. This means we can help you obtain the best cover to protect your family or business at the most competitive premiums.

Critical Illness Cover For Ulcerative Colitis:

Generally there’s a good chance that Critical Illness Cover can be secured if you have a history of Ulcerative Colitis. There may, however, be loading and / or exclusions applied.

Cover can be secured if your Ulcerative Colitis is well managed with few flare ups. If you are receiving mild medication or treatment, cover is possible. This would be at standard rates or with a small rating.

Underwriters will want to know the frequency and severity of any symptoms (flare-ups) and details of any medication or treatment. They will also need to know details of any surgery or planned surgery and the date you were diagnosed.

Income Protection And Ulcerative Colitis:

Income Protection for Ulcerative Colitis can be difficult to secure at standard rates and without any exclusions. Insurance underwriters will need to know all relevant information about your condition to accurately assess your application. A GP / medical report will usually be required.

Cover is possible if you’ve had few symptoms in the past 12 months. If your Ulcerative Colitis is well controlled with mild medication, you should also have no problems.

However, it may be offered with a small premium increase and / or some exclusions. For more severe and regular symptoms with stronger medication, a higher loading may be applied with exclusions, or even a decline.

Facts About Ulcerative Colitis:

Ulcerative Colitis is a chronic condition that affects the bowel and the large intestine. It causes inflammation of the rectum and colon. The effects of the condition can cause symptoms such as diarrhoea, abdominal pain and regular need to empty your bowel.

Ulcerative Colitis Stats (UK)

Most common type of Inflammatory Bowel Disease (IBD)

146k patients diagnosed with Ulcerative Colitis each year

Most common in people between 15 and 30

Can affect Males and Females equally

20% of people with Ulcerative Colitis have a blood relative with IBD

Causes Of Ulcerative Colitis:

It is not currently known what causes a person to develop Ulcerative Colitis. It is believed to involve factors such as genetics, an overactive immune system and your environment. Some people believe that it’s caused by diet or something they have eaten which is a myth.

Do You Need Life Insurance?

If you’re the primary breadwinner or share financial responsibilities, a life insurance policy can help your family maintain their standard of living in the unfortunate event that you’re no longer around to support them.

Life Cover Terminology

Understanding life insurance terminology is essential for policyholders to make informed decisions about their cover, we have broken down the meaning for some of the most used terms.

Useful Links

The Insurance Surgery specialises in finding the best life insurance products for people with pre-existing medical conditions including Ulcerative Colitis. We aim to find you the right cover to protect your family or business at the most competitive prices.

Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

We take pride in the experience that we offer, guaranteeing excellent service at all times.

25 years Experience.

With 25 years of specialist life and protection experience, we can find the perfect policy for you.

Access to a range of insurers.

With a broad selection of partners, we are well-equipped to find the best insurance deals for you.

Award-winning broker.

Known for making insurance simple, The Insurance Surgery is a trusted, award-winning broker.

Benefit from Our Life Insurance Policies Today.

Relax, knowing that your family can receive the financial support that they need after you pass, and trust The Insurance Surgery to guide you through the life insurance process. With 25 years behind us, we are a trusted broker known for our expertise, prioritising transparency, and providing excellent customer service. So, rely on us to ensure you receive the cover you need at a fair and affordable price.

For a life insurance quote, contact us today on 0800 083 2829 to schedule a free consultation and take the first step towards protecting yourself and your loved ones financially.

Understanding Inheritance Tax (IHT) and Life Insurance

Understanding how IHT works and the ways to mitigate its impact can help you plan and ensure that your loved ones don’t face unexpected tax bills.

How Much Does Life Insurance for HIV Cost?

Since the introduction of Highly Active Antiretroviral Therapy (HAART), premiums for those living with HIV have significantly reduced over the last 15 years. The amount you pay each month in policy premiums depends on your specific circumstances. When assessing your application, insurers will take into account factors such as your CD4 count and viral load.

Our experts will help you find the best deal to suit your needs and budget, taking the time to go through the different policies and discuss any concerns you may have.

For a clearer idea of the average cost of life insurance, visit our Guide.

Life Insurance with HIV Case Study 1

James is 31 years old and was diagnosed with HIV in 2017. He wanted to obtain both life insurance and critical illness cover to support his wife and child should anything happen.

We found James Life Insurance & Critical Illness Cover below:

Total Cover
Amount:

£40,000

Monthly Premium
Cost:

£22.41

Duration of
Policy:

30 years

Life Insurance with HIV Case Study 2

Jean is aged 45 and was diagnosed with HIV in 2011. She is keen to secure level life insurance for her and her partner.

We found Jean the Level Life Insurance below:

Total Cover
Amount:

£160,000

Monthly Premium
Cost:

£15.23

Duration of
Policy:

20 years

How much cover do you need?

You can use our Cover Calculator below to determine how much cover you need. Additionally, you will need to take into consideration the following:

Any outstanding debts

Mortgage/rent

Number of dependants

Take-home pay or income from other sources

Speak to our team of experts for FREE
specialist advice today.

Monday to Thursday:

9:00am – 8:00pm

Friday:

9:00am – 3:00pm

Facts About Life Insurance.

Life insurance can serve multiple purposes, including income replacement, wealth transfer, estate planning, and business succession. But how does life insurance shape up with the UK population?

7.5 million families

in the UK have no life insurance or critical illness cover.

£40,000

The average life insurance policy in the UK covers only about £40,000.

28%

of UK adults believe life insurance is too expensive.

96.9%

of all protection case claims were paid in 2024.

Life insurance is unique – just like you.

Life Insurance for Parents

Life Insurance for Dads

Life Insurance for Sports & Hobbies

Life Insurance for Self-Employed

Income Protection

Life Insurance for Smokers

Price Promise.

Obtain a cheaper quote elsewhere, we'll beat
the price and also give you a £50 gift card!*

We are committed to offering unbeatable prices. Our
Price Promise ensures that we will find you the right
cover for your circumstances.

Most Common Questions

Does having Ulcerative Colitis affect Life Insurance premiums?

For Ulcerative Colitis It’s important that we approach the best provider for you and your condition.

We know from our many years of experience which providers are best for Ulcerative Colitis.

What if I have been declined Life Insurance in the past because of Ulcerative Colitis?

You may have been declined Life Insurance previously due to certain factors including recent surgery, other complications, medication or underwriting criteria.

We always search the whole market to find the best cover we can for you based on your current circumstances.

If we can’t secure you immediate cover through the standard insurance market, we have other specialist providers we can approach. We will always continue to review your situation in the future.

Is Critical Illness Cover or Income Protection available for Ulcerative Colitis?

The good news is that both Critical Illness Cover and Income Protection are potentially available for Ulcerative Colitis.

There are a number of factors to be considered by underwriters. Special terms or exclusions may apply depending on severity and frequency of symptoms (for more information see below).

For More Information, Check Out Our Latest Blogs

Stay informed with the latest updates in the insurance industry for 2025 here.

We aim to provide clear advice, breaking down the jargon, so you understand the importance of protection insurance.

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Ulcerative Colitis Life Insurance

What Is Ulcerative Colitis Life Insurance?

Risk of aortic rupture

Nosebleeds

Cramping sensations in the legs

Sensitivity to hot and cold

Weak muscles

How Ulcerative Colitis Life Insurance works:

Age at diagnosis

Medication / treatment

Frequency of symptoms (Flare-ups)

Any hospital admissions

Related conditions (e.g. Liver Disease)

Critical Illness Cover For Ulcerative Colitis:

Income Protection And Ulcerative Colitis:

Facts About Ulcerative Colitis:

Causes Of Ulcerative Colitis:

Life Cover Terminology

Useful Links​

Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

25 years Experience.

Access to a range of insurers.

Award-winning broker.

Benefit from Our Life Insurance Policies Today.

How Much Does Life Insurance for HIV Cost?

For a clearer idea of the average cost of life insurance, visit our Guide.

Life Insurance with HIV Case Study 1

Total Cover Amount:

£40,000

Monthly Premium Cost:

£22.41

Duration of Policy:

30 years

Life Insurance with HIV Case Study 2

Total Cover Amount:

£160,000

Monthly Premium Cost:

£15.23

Duration of Policy:

20 years

How much cover do you need?

Any outstanding debts

Mortgage/rent

Number of dependants

Take-home pay or income from other sources

Speak to our team of experts for FREE specialist advice today.

Monday to Thursday:

Friday:

Facts About Life Insurance.

7.5 million families

in the UK have no life insurance or critical illness cover.

£40,000

The average life insurance policy in the UK covers only about £40,000.

28%

of UK adults believe life insurance is too expensive.

96.9%

of all protection case claims were paid in 2024.

Life insurance is unique – just like you.

Life Insurance for Parents

Life Insurance for Dads

Life Insurance for Sports & Hobbies​

Life Insurance for Self-Employed

Income Protection

Life Insurance for Smokers

Price Promise.

Obtain a cheaper quote elsewhere, we'll beatthe price and also give you a £50 gift card!*

Most Common Questions

For More Information, Check Out Our Latest Blogs

Monday to Thursday:

Friday:

Useful Links

Total Cover
Amount:

Monthly Premium
Cost:

Duration of
Policy:

Total Cover
Amount:

Monthly Premium
Cost:

Duration of
Policy:

Speak to our team of experts for FREE
specialist advice today.

Life Insurance for Sports & Hobbies

Obtain a cheaper quote elsewhere, we'll beat
the price and also give you a £50 gift card!*