Can You Get Life Insurance With Ulcerative Colitis? 
Yes , you can get life insurance with ulcerative colitis . Each carrier may respond very differently to this condition - they each have their own underwriting guidelines -LRB- e.g. company A offers a better risk class than company B , therefore lower premiums from company A -RRB- . The risk class a carrier will approve for your program will depend on the details of the medical history including how long you 've had the condition , the severity , ulcer history , and other factors . This type of condition can result in a substandard rate class -LRB- table-rated program -RRB- with many carriers so you will want to work with an independent life insurance broker who can shop the case for you . Keep in mind , applying to multiple carriers at once can be a red flag and work against you . One of the most common parts of the underwriting process is an MIB check -LRB- the Medical Information Bureau -RRB- . For example , if the MIB check shows you 've applied to 10 different companies and you 've gotten declined several times or been rated with a high table-rating , the carriers will obviously express concerns . 