Have a pre-existing condition? Do you have medical insurance? What about life insurance? Today—a look into the process of getting life insurance and the importance of getting it, as it relates to inflammatory bowel disease.
Mike Raines 
has worked in the life insurance special risk marketplace for more than 30 years. He specializes in helping those with pre-existing conditions, such as Crohn’s disease and ulcerative colitis. While he’s not able to represent everyone, he works closely with companies who underwrite conditions such as IBD the most favorably.
First off, you may be reading this wondering if you need life insurance protection. Mike tells me those with pre-existing conditions should be aware that life insurance should be purchased at the earliest age possible, since future mortality costs are typically higher on those with pre-existing medical conditions. That cost will only increase with age.
“Anyone, (not just those with pre-existing conditions or Crohn’s), who provides financial needs for their family or business probably has a need for life insurance protection. Life insurance can provide a large sum of cash within days to help provide time to for those who need it to adjust. Some of the planning needs for life insurance can include personal need such as: replacement of income, mortgage protection, pay for future college expenses, pay for outstanding debts including funeral expenses, spousal needs, future retirement account losses,” explained Mike.
Insurance can be confusing—no matter what type you’re dealing with. Some of the most common misconceptions with life insurance protection are that it’s too expensive, too complicated and that conditions such as IBD are not insurable. This is simply not the case.
“The number one secret to finding the lowest rates on life insurance if you have Crohn’s disease or any pre-existing condition is to work with an independent agent/agency who has experience in the special risk arena. An independent agent will typically offer many carriers to choose from. Also, an independent agent/agency who specializes in pre-existing medical conditions will also offer those carriers that underwrite not only preferred risks, but those risks that may be higher risk such as Crohn’s disease, diabetes, etc. Experience and knowledge matters. Your agent is your best advocate. Put him to work to find you the protection you need,” said Mike.
At Special Risk Term, each individual case is treated as such. Mike and his team individually underwrite each applicant, based on personal medical history. For example, let’s say one person has Crohn’s disease, but also smokes, is overweight and doesn’t follow doctor’s instructions. While another with Crohn’s disease is very compliant, exercises every day, does not use tobacco and meets the height/weight chart. The person who is “doctor compliant,” will most likely be given a much better rate class for life insurance.
“Throughout my career, I’ve found it was easy to find coverage for someone in “perfect” health. I found it was much harder to find, negotiate and bind coverage for those with pre-existing medical conditions. I also found that those individuals who we found protection for were so much more grateful and happy that someone would fight to find them coverage. Many had been declined multiple times or had almost given up on finding any coverage, so for them to be able to protect their families was very gratifying. Obviously, sometimes not everyone is insurable or insurable at an affordable rate, but I like the challenge of helping find coverage for those who don’t know where to turn.”
Click here to learn more about IBD as it relates to life insurance protection.
This Friday, I’ll be 27 weeks complete with my baby girl. My January due date is quickly approaching. Time is going both fast and slow. For the most part, my Crohn’s has behaved itself. But, there have been multiple times where I can’t seem to decipher if what I’m feeling is related to pregnancy aches and pains or my IBD. The burning and gnawing feeling in my abdomen often feels so reminiscent of the beginning of a bowel obstruction that I can’t help but fear the worst.
It’s difficult because every single pregnancy is different and so is every single person’s IBD. My OB tells me that with a contraction the pain will come and go, and I’ll be able to see a pattern and time it, whereas Crohn’s pain will be constant.
My advice to myself and to all of you who may be dealing with these same fears and thoughts is to listen to your body. Be mindful of when you hurt, why you may be in pain and how often it’s taking place. Don’t turn a blind eye to your aches and don’t feel like a bother to your GI or OB. Reach out to your healthcare team and alert them when you have a concern, so they are aware of what’s going on. This is not a time to internalize your pain. This is a time to be vocal, be your own best advocate and start being the strong IBD mama that you are for your unborn child.
While yoga and DripDrop are different, I think of them much in the same way. They go hand in hand. While I’m driving to yoga class and sitting on my mat before we start, DripDrop was formulated so water and salt can be absorbed quickly, making recovery as effective as an IV. I can hydrate my body in a matter of minutes.
Chasing around a toddler all day, while nearly 30 weeks pregnant, while battling Crohn’s disease is taxing. By taking time for myself and slowing down for a couple of hours of week, I’m setting myself up for success and optimal health.
The profession entails a great deal of stress, both physically and mentally. Not only are the hours long, but you are exposed to a ton of people who are sick, while you are immunocompromised.
“The Pain Companion: Everyday Wisdom for Living With and Moving Beyond Chronic Pain.” The author, Sarah Anne Shockley, lives with chronic pain herself and offers sage advice about how to find compassion within yourself and adjust your mindset. To Sarah, “pain is a necessity, but suffering is an option.” I’ve found personally after living with Crohn’s for more than 13 years, that the way I look at, deal with and handle pain has evolved greatly in that time. It’s not something that happens overnight, but you’ll notice a transformation within yourself as time goes by. You come to find a kind of patience and strength within yourself that you never knew existed.
This excerpt really spoke to me, since no two IBD patients have the same exact journey or disease process or pattern. We’re all unique in how we experience the disease but can find great comfort from leaning on those who “get” the pain on a different level than the average person.
The same goes for chronic pain. We all know with IBD that symptoms of a flare start to fester. We know it deep down and may try and keep the worry and stress to ourselves. Until the pain is too much to take on alone. Think of pain as your body communicating with you and giving you a target for healing.
Linde graduated from my high school and later moved to St. Louis. She currently resides in Atlanta, where she works for the CDC and does Policy work for the division of lab sciences.
I’m training for a half marathon and taking on the biggest fitness and 
We ended up living together throughout our entire college experience, stood up in each other’s weddings and have managed to stay very close, despite thousands of miles between us since graduation.
I teared up. I was so fearful of the unknown, as far as what this is going to mean for me for the rest of my life. There is such a variation in the way patients with IBD can experience the disease… my mind immediately went to worst case scenario for myself.”
She used to ride out the symptoms much longer before admitting there was a change that needed to be addressed, mostly because she was fearful of having to go back on steroids. I can attest to being the same way. Prior to becoming a mom, I waited until going to the emergency room was the only option. Now, I am more mindful of listening to my body and nipping flares in the bud, because my family needs me.
it makes you feel just a little bit stronger and gives you the confidence that you can handle the curveballs life is bound to throw at you over and over!”
When I was diagnosed with Crohn’s disease at age 21, a month before my 22nd birthday—life had so many unknowns. I bottled up a lot of fears about how my life story would unfold and if I would be able to accomplish the hopes and dreams I had thought were a given.
It’s a path that will bring you heartache. Significant others will let you down—you’ll be disheartened when they fail to show up when you need them most…but, then it will happen. You will meet the person who was meant to fight this fight beside you. You’ll know. You’ll see how that person loves you unconditionally and even more so, because of your illness. They will see you as so much more—see yourself the way they see you. Not some sick person. A person who has a sickness that is part of them, but far from all of them.
Don’t allow this illness to make you think you aren’t capable—because you are. You will surprise yourself, if you continue to be positive and find alternative ways to make your dreams become your reality. I know you’re sitting there with your huge spreadsheet of 200 U.S. cities, wondering which TV station you’ll be able to work at…and if your journalism career will ever happen. Looking back—I’m so proud of you for continuing that job search amidst your very first flare. Looking for jobs across the country, as you swallowed 22 pills a day, grappled with a chronic illness diagnosis and dealt with all the side effects and pain that is Crohn’s. Work ethic and attitude will take you far with this disease. 
You will shine under those bright studio lights.
That first CT scan, that first colonoscopy, that first surgery, that first injection…it’s a lot to deal with. You’ll shake like a leaf and then as time goes on—you won’t bat an eye. You will find a strength within yourself that you never knew was there. You’ll be a seasoned warrior in no time.
You’ll do all these things. All with your sidekick—your enemy, but also your ally, Crohn’s. The one thing that really sets you apart. In the future you won’t keep your disease a secret, rather it will come up in conversations almost immediately, with a sense of confidence. A badge of honor. Yes, I have Crohn’s. Yes, it’s not ideal. But, yes…it’s made me sort of a bad ass. I’ve been through a lot. I haven’t backed down. And there’s so much life left to live. 
I like to take 2-3 extra days of daily medications and vitamins. Along with the daily dose, pack pain and allergy medications so you have it on hand and readily available, should you need it. As someone who battles Crohn’s disease, I’ve had to fly out of the country with my biologic injection. Be mindful of how your medication needs to be stored. If it needs to stay cool, keep it within a zipped-up bag with an ice pack and remember to throw in a few alcohol swabs for good measure. Also, keep your medication on you at all times, never in a checked bag!
Whether it’s a business card or information that’s stored in your phone—make sure you have your doctor’s phone number readily available, should an emergency or flare up arise. It’s also helpful to keep a list of medications in your purse or wallet, so that you don’t have to worry about remembering the dosage you take or what you are on, should an emergency arise.
it will help you feel your best and enjoy your trip. Pack a thermos or water bottle, and it’s as easy as using a water fountain or grabbing some bottled water and mixing up DripDrop on the go. This way—you can enjoy the sun and warm temperatures and keep your body on track for feeling its best.
