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Ulcerative Colitis Life Insurance


We specialise in helping people who have ulcerative colitis find life insurance, critical illness insurance, income protection insurance and travel insurance.

We are experts in knowing which insurers will consider your application, given your ulcerative colitis, 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, 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 people with ulcerative colitis, 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.


Ulcerative Colitis Support

Besides helping you obtain Life Insurance if you have Ulcerative Colitis, we also 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.

Ulcerative Colitis : Useful links

Support groups and useful information for people who have ulcerative colitis.
Colitis UK
National Association for Colitis and Crohn's Disease
CORE (Digestive Disorders Foundation)
Bladder & Bowel Foundation
The GUT Trust
IBS Self Help & Support Group
Salts Healthcare


Ulcerative Colitis : About the Condition

Ulcerative colitis is a condition which causes the colon (or large intestine) to become inflamed, often resulting in ulceration and bleeding. The colon or large intestine is the last part of the digestive system, and it extracts nutrients from undigested food before it is eliminated from the body.

According to Colitis UK, the disease affects around 120,000 people in the UK. The condition normally first appears between the ages of 15-30.

Conditions such as ulcerative colitis or Crohn's disease that cause inflammation of the intestines are known as inflammatory bowel disease (IBD).

The symptoms of ulcerative colitis will vary depending on how much of the colon is affected, and also depending on the level of inflammation. Symptoms can vary from mild (where the condition is a minor inconvenience) to severe cases (where the quality of life is severely affected). In severe cases, ulcers can form on the lining of the colon, and these can bleed and produce mucus.

Common symptoms include abdominal pain and bloody diarrhoea. There can also be a frequent need to go to the toilet, weight loss, loss of appetite, tiredness, fever, dehydration and anaemia. Symptoms are often worse first thing in the morning, and ulcerative colitis can be unpredictable, flaring up and then go into remission, with very few symptoms, for a period of months. It is not clear what causes the return of the symptoms, but stress is thought to be a trigger.

The exact causes of ulcerative colitis are not known. Research suggests that genetic and environmental factors both play a part. In terms of genetics, studies have shown that 20% of people with ulcerative colitis, also have a close relative who suffers from the disease. The prevalence of the condition is also higher in certain ethnic groups. Scientists have also recently identified a mutated gene that they believe may be linked to the disease.

Ulcerative colitis is also associated with a malfunction of the immune system, where the body’s own cells attack the lining of the colon, causing inflammation. The body then takes this inflammation as a sign of further infection, so increasing the immune response in a vicious cycle. Some researchers believe that a viral or bacterial infection may be the trigger to cause the body’s cells to attack the colon lining. Others believe that it is just a malfunction of the immune system, fighting an infection when no infection is actually present.

Once ulcerative colitis has been diagnosed, you will usually be referred to a gastroenterologist who will assess the severity of your condition. The severity of the ulcerative colitis is judged by how many times you are passing stools, whether those stools are bloody, whether you have symptoms of fever, how much control you have over your bladder, and your general wellbeing.

Although there is no cure for ulcerative colitis, there are a number of successful treatments which can relieve the symptoms. A variety of medications can be used to either reduce the inflammation (such as steroids or amniosalicylates), or to reduce the immune system response (immunosuppressants). In severe cases of ulcerative colitis, hospitalisation or surgery may be required, because severe colitis could put you at risk of dehydration, malnutrition and potentially fatal complications such as the colon rupturing.


About Life Insurance for Ulcerative Colitis

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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