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Will An Ulcer (Peptic Ulcer) Affect Life Insurance Underwriting?

by Scott G on April 9, 2013

Ulcer (Peptic Ulcer) Life Insurance

Will An Ulcer (Peptic Ulcer) Affect Life Insurance Underwriting?

Peptic Ulcer- is an erosion of the lining of the stomach or duodenum-the first part of the small intestine. Due to the location, peptic ulcers can be very painful.

Underwriting factors

*What medications are being taking for the peptic ulcer?

*Any gastrointestinal bleeding?

*Condition of the ulcer?

*Date of diagnosis?

*Have you ever been hospitalized for the ulcer?

*What was the result of your most recent doctor’s visit?

Common medications for treatment of a peptic ulcer

Antacids, antibiotics, Aciphex, Amoxil, Axid, Carafate, Dispermox, Flagyl, Kapidex, Maalox, Metozok, Mylanta, Nexium, Pepcid, Prevacid, Prilosec, Protonix, Reglan, Tagamet, Zantac

Life insurance underwriting for peptic ulcer

If the ulcer is healed and there is no gastrointestinal bleeding then the best health rating class is possible if one would otherwise qualify.

If the ulcer is stabilized and you are taking medications and you do not fit into the category above, then an average rating class is likely.

Sample rate for a $500,000 10-year level term policy for a 45-year old female with the peptic ulcer being healed= $30 month.

Sample rate for a $250,000 20-year level term policy for a 45-year old male on prescription Kapidex medication with a mild peptic ulcer: $58 month.

 

Get the best rate on life insurance a peptic ulcer. Enter your zip code in the “Get Free Life Insurance Quotes” box and compare.  Prefer to speak to a licensed agent?  Call (888) 788-1052 today!

 

*Rates as of 4/09/2013. The information in this post is for informational purposes only and is not a guarantee of rates and insurability.  Rates and eligibly are subject to the underwriting guidelines of the insurance companies and state in which you live.

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