13 May 2026

Life Insurance and Crohn's disease

Living with Crohn’s disease presents various challenges, but life insurance can provide financial protection and reassurance. Let’s look at what a Crohn’s disease diagnosis means for your life insurance application.

By Lisa Redman

How to apply for life insurance with Crohn's disease

If you’re thinking about applying for life insurance with Crohn’s disease, here is how the process works.

Disclosure

If you have Crohn’s disease, you should disclose this information in your L&G life insurance application; failure to do so could jeopardise any life insurance claim you make in the future.

Application

After you’ve shared your medical history with us, we may sometimes ask you to take a medical exam before your cover can be finalised. We would never request a medical exam specifically for Crohn's disease. If evidence is required we would only request a medical report from your GP and only with your consent.

Decision

If you have Crohn’s disease when you apply for life insurance, any offer will depend on the severity of your Crohn's disease and other relevant medical history.

We will consider a number of health indicators (not just Crohn’s disease) when deciding whether to issue you with a life insurance policy. These factors include:

• Your age, weight and height
• Your occupation and hobbies
• Your smoker status and alcohol consumption
• Your travel habits and residency
• Your medical history (including family medical history )

Once we’ve gathered all the relevant information, we'll let you know if we can insure you. If your health affects the cost of cover we'll tell you. We want our customers to make informed decisions before going ahead. So, you'll have time to review the details before deciding whether to buy or not. If you need help deciding, speak to an adviser.

Explore life insurance options with Crohn's disease

mother and grown up daughter smiling at a party

Explore life insurance options with Crohn's disease

Life can be unpredictable, but getting the right financial protection in place can support your loved ones when they need it most. And if you have Crohn’s disease, you might have more life insurance options than you think.

Learn more about the various types of L&G life insurance, including Critical Illness Cover.

Want to learn more about Life Insurance?

Meet our expert

Lisa Redman

Senior Propositions Manager, Retail Protection

Lisa works in UK Retail Protection Proposition Development team and is responsible for identifying and assessing new product and proposition enhancements to meet customer needs, with a strong emphasis on regulatory compliance ensuring all required governance is completed.

More about Lisa