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Ileostomy Life Insurance


We specialise in helping people who have had an ileostomy find life insurance, income protection insurance and travel insurance.

We are experts in knowing which insurers will consider your application, given your ileostomy, with a wealth of knowledge and years of experience. Most importantly, we do all the work for you making this a hassle-free and streamlined process.

Whilst we can’t always guarantee that we can get you life insurance if you have an ileostomy, rest assured that we won’t leave any stone unturned. We will give you an honest assessment as to whether you will be able to get life insurance, as well as an indication of how much it might cost.

If there is a choice between insurers, we will help you find the insurer who is willing to offer you cover at the cheapest rate, so you can be confident in knowing you have the best deal.

We will do all the paperwork for you, and will keep you updated throughout so that you know how things are progressing.

We have a team who are specialists in finding life insurance for those with an ileostomy, and they are always on the end of the phone to discuss your needs or concerns. We are a UK based company, you will not have to talk to foreign call centres.

So if you want the peace of mind of having some life insurance in place, we are the people to help.

These are just two of the testimonials we have received after finding life insurance for clients:

“From first point of contact with Life Insurance Help, I was reassured and felt I was in good hands. They kept me up to date on the progress of my application at very stage, and were exceptionally prompt in replying to any query I had. Due to my circumstances it was a long process, but thanks to them, my cover is in place and my mind at rest. Thank you so much.”

“We had difficulty securing adequate life insurance. By contacting Life Insurance Help we have now both got life cover that gives us the peace of mind we were looking for. The people at Life Insurance Help worked so hard to meet our needs, were great to communicate with, and we are both 100% happy with the service we received.”

So please get in touch and tell us about your circumstances, and we will help you find the insurance you need.


Ileostomy Support

Besides helping you obtain Life Insurance we want to provide our customers with as much help as possible in dealing with their pre-existing condition.

The two sections below, Useful Links and About the Condition, aim to do just this.

We hope you find the information on this page useful, if you have any other information that you feel would be of benefit to other sufferers, please let us know.

Ileostomy : Useful links

Support groups and useful information for people who have had an ileostomy.
The Ileostomy Support Group
National Association for Colitis and Crohn's Disease
Colostomy Association
Urostomy Association
Salts Healthcare

Ileostomy : About the Condition

An ileostomy is a surgical procedure involving the small intestine, which is part of the digestive system.

In an ileostomy, the end of the small intestine (the ileum) is re-routed through a hole that is cut in the abdomen. The hole, or opening, is called a stoma. An external pouch may be connected to the stoma to collect any waste products.

The ileostomy operation is usually carried out when the colon is damaged, or if it has to be removed, due to conditions such as:

  • Ulcerative colitis - inflammation and ulceration of the lining of the large intestine, causing stomach pains and diarrhoea
  • Crohn's disease - an inflammatory bowel disease which causes pain and diarrhoea
  • Colon cancer / Colorectal cancer
  • Familial adenomatous polyposis (FAP) - an inherited condition which affects the colon and rectum, and where polyps (adenomas) develop inside the large bowel

There are two types of ileostomy:

End ileostomy - the colon and rectum are removed and the end of the ileum is brought out through the stoma.
It is then stitched into place. The waste material comes out into a pouch, which is made of an adhesive material that sticks to the skin, and worn under the clothes. The bag needs to be emptied regularly to prevent bulging and the possibility of a leak.

Loop ileostomy - a loop of the small intestine is brought out through the stoma, but the colon and rectum are not removed. This is a temporary procedure, when it is necessary to remove only a part of the colon. Once the remaining colon has healed, it can be reconnected to the small intestine, and the stoma can then be closed.

Creating an ileo-anal pouch involves removing the colon and the rectum, and an ileo-anal pouch is created from the ileum. The pouch is joined to the anus so that the bowel actions can be controlled in the normal way. The pouch stores the waste material until it is expelled when you go the toilet.

The operation is usually done in two stages. First, the colon and rectum are removed, before the pouch is created. It is usually necessary to let the area surrounding the pouch, heal before it is used, so a temporary loop ileostomy above the pouch is created. After a couple of months, a second, smaller operation is performed to close the ileostomy. Sometimes, it is possible to do the operation without creating a temporary ileostomy.

After you have had an ileostomy, you will be referred to a stoma nurse. A stoma nurse is someone who specialises in helping people with a stoma. They will be able to inform you about the equipment that you will need, and advise you about how best to manage and care for your stoma. Many people with a stoma say that their quality of life has improved since having an ileostomy because they no longer have to cope with the symptoms of the condition that made the ileostomy necessary.

In the first few months, after having an ileostomy, a low-fibre diet is recommended. This is because the surgery causes the bowels to swell, making digesting fibre difficult. Once the swelling has subsided (usually after eight weeks) it should be possible to resume a normal diet. However, vitamin supplements may be needed until then.

It is a good idea to introduce new food back into the diet slowly, at the rate of one type of food each day. This will allow you to judge the effects of the food on your digestive system. You may find it useful to keep a 'food diary', in which you can keep a record of the food that you have eaten, and how you feel afterwards. Many people with an ileostomy find it best to avoid nuts as they can cause irritation.

In addition, if you no longer have a colon, you are at greater risk from dehydration. This is because one of the functions of the colon is reabsorb water and minerals (sodium and potassium) back into the body. Therefore, it is important to drink at least 6-8 glasses of water a day. It is possible to obtain sachets of fluid replacement solutions over-the-counter from pharmacies and can be taken when you feel dehydrated.


About Life Insurance

A life insurance policy is designed to pay out a lump sum upon the death of a person or persons named on the policy.

Most people understand that if they have a family or significant liability, then life insurance is a vital product to make sure the people and things they care about are protected.

There are many different types of life insurance available depending on your needs. The good news is that we are able to help you with all of them.

We take the time to ensure that our customers have the most appropriate life insurance to meet their needs, whilst also making sure that the price is right. Some of our most satisfied customers came to us as they were unable to obtain the life insurance they wanted elsewhere.

We can't guarantee that we can get you life insurance, but we will leave no stone unturned. Given our experience, if we are unable to get you life insurance cover, it is unlikely you will be able to get it at all. We will however give you a good understanding on future insurability, and an honest assessment of your situation.

Whatever your life insurance needs, we are able to help you. We have access to all the products from all of the UK's leading insurance providers.

Life Insurance Help Contact Details
Platinum Financial Consulting
The Old School House, East End Road
Bradwell-on-Sea, Essex, CM0 7PY

Telephone : 020 33 55 4831               Fax : 0871 277 1422          Email :


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FCA Registration Number : 227014

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