How much is IBS life insurance?

The price you pay for life insurance as someone with IBS will vary, meaning no two IBS life insurance quotes will be the same. This is because the symptoms of IBS can differ from person to person, for one it could be a minor annoyance and for another it could be a chronic condition. During the application process, insurers will ask for key information to help determine the price you’ll pay for your cover. You’ll be asked about the following: Age Smoking status Health and wellbeing Weight/BMI Policy length Sum assured When disclosing that you suffer from IBS, it’s likely you’ll be asked for more details about your condition. These questions could include: When were you diagnosed? How frequent and severe are your symptoms? Do you also suffer from any other bowel conditions (such as Crohn’s or Colitis)? Has your IBS led to any other conditions (including mental health conditions such as anxiety etc)? Are you taking any medication? Insurers will take the personal circumstances of your condition into consideration. Those with mild and well-managed IBS could secure cover on standard terms. Policies with standard terms start from just £5 a month through Reassured. If your IBS is more severe, has led to any other medical conditions (such as mental health conditions) or you’re on strong medication to treat your symptoms, you may experience inflated premiums.

Why use Reassured for IBS life insurance?

Award-winning service rated ‘ Excellent ’ by over 80,000 reviews on Trustpilot Guidance and support throughout the entire application process from a member of our expert team Terminal illness cover as standard with all term policies We offer a range of life insurance policies to suit every need Free trust writing service on the majority of policies we sell (so loved ones can avoid/minimise 40% inheritance tax on a pay out) Excellent track record of finding cover for those declined elsewhere (45% of applicants have found cover through us after previously being declined) Fee-free, personalised and no-obligation quotes

IBS Life Insurance » Can I Secure Cover? Compare Quotes [2025]

Q: What if I have been declined before?

If you’ve previously been declined for life insurance in the past, it may be that: Other high-risk factors were identified IBS is linked to a wide range of other conditions, including but not limited to anxiety, depression, endometriosis and chronic fatigue syndrome . There’s also a negative link between alcohol and IBS, so if declaring excessive alcohol consumption as well as an IBS diagnosis this could be considered high risk in the eyes of the insurer You had only just been diagnosed Insurers typically like to wait until a certain time period has passed after a diagnosis before offering cover. This allows them to eliminate the chance of a false diagnosis and get a better understanding of how the condition affects you and your everyday life If applying for life insurance with other high-risk factors , Reassured can help. We’ve a specialist impaired life insurance team with a proven track record of finding some form of cover for those who’ve previously been declined.

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IBS life insurance

Can I get life insurance with IBS?

Yes, the good news is it could be possible to secure life insurance if you have IBS (irritable bowel syndrome).

When applying for life insurance with IBS it could be possible to secure cover on standard terms, if your condition is well managed.

Standard terms means the policy price isn’t inflated by the risk of a medical condition and the cover doesn’t have exclusions applied. Policies with standard terms start from just £5 a month^†through Reassured.

However, the cost of your cover will depend on the severity of your condition and whether there are any other health problems present.

Irritable bowel syndrome is one of the most common gastrointestinal disorders, with 20% of the population suffering from this condition at some point in their lives^[1].

Not to be confused with IBD (inflammatory bowel disease), which refers to conditions such as Crohn’s Disease and Colitis - although it is possible to suffer from both conditions simultaneously.

While symptoms can have similarities, there are some key differences. Do you suffer with IBD?

Why not read our complete life insurance with Crohn’s Disease guide for more information?

Securing life insurance with IBS doesn’t have to be a difficult endeavour, why not enlist the help of Reassured to help you find the right policy, at the right price?

Keep reading to find out everything you need to know about life insurance with IBS…

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What is IBS life insurance?

There’s no specific life insurance product for those suffering with IBS.

IBS life insurance simply refers to a life insurance policy taken out by someone with IBS to protect certain aspects of their life.

A life insurance pay out could be used to help cover:

Mortgage payments or rent
Household bills (gas, electricity, water, council tax, TV & broadband)
Family living costs (food, drink, clothing, leisure, travel)
Additional childcare costs
Funeral expenses
An inheritance

Why use Reassured to compare life insurance with IBS?

Award-winning service rated ‘Excellent’ by over 80,000 reviews on Trustpilot
Guidance and support throughout the entire application process from a member of our expert team
Terminal illness cover as standard with all term policies
We offer a range of life insurance policies to suit every need
Free trust writing service on the majority of policies we sell (so loved ones can avoid/minimise 40% inheritance tax on a pay out)
Over 14 years experience helping support applicants who have previously been declined cover
Fee-free, personalised and no-obligation quotes

Do I need to tell insurers about my IBS?

Yes, you’ll need to inform the insurer about your IBS during the application process.

This is so they can calculate your monthly life insurance premium accordingly.

When declaring to insurers that you suffer from IBS, it’s likely that they’ll need to ask some additional questions to gain a better understanding of how the condition affects you.

What information will I need to provide for insurers?

When you were diagnosed
How severe your symptoms are
How frequent your symptoms are
Common triggers for your symptoms
Whether you’re taking any medication
Whether IBS has caused any other medical conditions / is a result of any other conditions?

Your personal circumstances will determine the affect that IBS has on your life insurance application. It could be possible to secure cover on standard terms if your condition is well managed and no other high-risk factors are identified.

Seeking the help of a broker, like Reassured, can help you to find the insurer from our panel who’ll offer you the most favourable terms.

We’ll take your personal circumstances into consideration and provide you with the details of the provider who offers our most affordable rates.

Compare Life Insurance with IBS »

Is IBS a pre-existing condition?

Yes, if you have been living with IBS for many years and the condition is present when applying for life insurance, this will be considered a pre-existing medical condition.

This means you’ll need to disclose your IBS during the application process.

If you develop IBS while your cover is in place, this isn’t considered a pre-existing condition and you aren’t required to inform your insurer of your new diagnosis.

We have written a comprehensive article exploring life insurance with pre-existing conditions if you require additional information »

Does IBS affect life insurance?

As IBS is a pre-existing medical condition, it may have an effect on your life insurance cover.

Often, IBS symptoms can be treated with a well-managed diet and lifestyle.

The main symptoms for IBS include:

Pain or discomfort in your tummy
Tummy cramps
Changes to your bowel movements
Bloating
Constipation
Diarrhoea

In more severe cases, IBS can also cause:

Feeling tired/lack of energy
Indigestion
Feeling sick
Muscle pains
Incontinence
Needing to take time off of work

If your IBS is well managed through living a healthy lifestyle, your flare ups aren’t severe and symptoms are mild, it could be possible to secure cover on standard terms without inflated premiums.

If your IBS is more severe, or chronic, insurers may need to look further into your medical history and your premiums pay be increased (or loaded) as a result.

Insurers will also consider whether your IBS has led to any other medical conditions.

Severe IBS has been linked to mental health conditions, with 40% - 60% of suffers having anxiety or depression as a result. Stress and trauma have also been suggested to worsen IBS symptoms^[2].

When taking out cover through a life insurance broker, we can take everything into consideration and provide you with the details of the most appropriate cover options to meet your unique needs.

How much life insurance do you need?

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What’s the best life insurance for someone with IBS?

There are four main types of life insurance. Which is the best option for you will depend on what you want to cover, your available budget and the severity of your condition.

When applying for life insurance with IBS you’ll still be able to choose between:

Level term insurance

Level term life insurance provides your loved ones with a fixed sum assured (pay out amount).

You’ll be covered for a specified period of time (the term) and, if you pass away during this time, a pay out will be made.

During the application process, you’ll be asked to provide key information to allow insurers to calculate your monthly premium. This will include disclosing that you have IBS.

If your condition is mild and well managed it could be possible for you to secure level term life insurance on standard terms.

If your condition is more severe, or has led to any other medical conditions, you may experience increased premiums due to the higher risk.

Decreasing term insurance

Decreasing term life insurance is often the most affordable option, as your risk to insurer reduces over time.

This is because your sum assured will decrease over the policy lifetime.

For this reason, decreasing term cover is ideal for helping protect a repayment mortgage, as your sum assured can reduce in line with your remaining mortgage balance.

As with level term cover, you’ll be covered for a specified period of time and insurers will take key information into consideration to calculate your premiums.

If you have mild and well managed IBS it could be possible to secure cover on standard terms. Chronic or severe IBS could lead to inflated premiums.

Whole of life insurance

Whole of life insurance is a form of life assurance, as your cover will last for life and a pay out will be made to your loved ones when you pass away.

This way you can help to cover funeral costs and provide an inheritance for your loved ones.

You’ll be required to pay premiums for the remainder of your life to keep your cover valid.

This could become costly if paying inflated premiums due to severe or chronic IBS.

Whole of life insurance could be well suited to those later on in life, living with mild and well managed IBS.

It can be possible to pay more into the policy than it will pay out if you take out cover at a young age.

Over 50s plan

An over 50s plan offers guaranteed acceptance to UK residents aged 50 - 85, without the need to provide any medical information.

You won’t be required to disclose your IBS and, instead, premiums are calculated using your age, sum assured and, sometimes, your smoking status.

To compensate for the unknown risk, insurers offer a lower sum assured (up to £20,000) and premiums can be more expensive.

It’s also likely that a waiting period will be added to the policy. This is a period of time (often 12 or 24 months) where if you pass away due to natural causes a pay out won’t be made.

An over 50s plan can be an ideal option if you fit into this age bracket and have struggled to secure cover due to poor health.

At Reassured we can compare multiple policy types from some of the UK’s best life insurance providers, as well as smaller specialists (through our advised team), to help you find an affordable policy.

Simply get in touch for your FREE quotes.

Terminal illness cover as standard with all term policies through Reassured

At Reassured, all term policies we sell come with terminal illness cover at no additional charge to you.

Terminal illness cover provides you with the opportunity to make an early claim on your life insurance policy in the event you’re diagnosed with a life-threatening illness and are predicted to pass away within 12 months.

This pay out can help to pay for medical treatment, be enjoyed spending time with your loved ones and/or can allow you to get your financial affairs in order.

Why not ask a friendly member of our team about terminal illness cover to find out more?

How much is life insurance with IBS?

The price you pay for life insurance as someone with IBS will vary, meaning no two IBS life insurance quotes will be the same.

This is because the symptoms of IBS can differ from person to person, for one it could be a minor annoyance and for another it could be a chronic condition.

During the application process, insurers will ask for key information to help determine the price you’ll pay for your cover.

You’ll be asked about the following:

Age
Smoking status
Health and wellbeing
Weight/BMI
Policy length
Sum assured

When disclosing that you suffer from IBS, it’s likely you’ll be asked for more details about your condition. These questions could include:

When were you diagnosed?
How frequent and severe are your symptoms?
Do you also suffer from any other bowel conditions (such as Crohn’s or Colitis)?
Has your IBS led to any other conditions (including mental health conditions such as anxiety etc)?
Are you taking any medication?

Insurers will take the personal circumstances of your condition into consideration.

Those with mild and well-managed IBS could secure cover on standard terms. Policies with standard terms start from just £5 a month through Reassured.

If your IBS is more severe, has led to any other medical conditions (such as mental health conditions) or you’re on strong medication to treat your symptoms, you may experience inflated premiums.

A friendly member of our team can help you to source quotes from a variety of providers to help you find affordable cover.

Can I get critical illness cover with IBS?

Yes, as with life insurance, it could be possible to secure critical illness cover with IBS.

However, the severity of your condition along with any other high-risk factors, will influence how much you pay for your cover.

Critical illness cover provides a cash lump sum pay out upon the diagnosis of a life changing (but not life threatening) illness.

Cover can be added to a life insurance policy for an additional fee or can be purchased as a standalone policy by some providers.

Insurers may add exclusions to your policy for any IBS related illnesses. This means you won’t be able to make a claim if you develop these conditions.

Similarly, if your IBS has led to any other conditions, these will likely be added as exclusions too.

Is IBS a critical illness?

No, IBS isn’t one of the illnesses covered by critical illness cover.

This means you won’t be able to make a claim for critical illness cover if you develop IBS during the term of your policy.

What if I have been declined before?

If you’ve previously been declined for life insurance in the past, it may be that:

Other high-risk factors were identified
IBS is linked to a wide range of other conditions, including but not limited to anxiety, depression, endometriosis and chronic fatigue syndrome. There’s also a negative link between alcohol and IBS, so if declaring excessive alcohol consumption as well as an IBS diagnosis this could be considered high risk in the eyes of the insurer
You had only just been diagnosed
Insurers typically like to wait until a certain time period has passed after a diagnosis before offering cover. This allows them to eliminate the chance of a false diagnosis and get a better understanding of how the condition affects you and your everyday life

If applying for life insurance with other high-risk factors, Reassured can help.

We’ve a specialist impaired life insurance team with a proven track record of finding some form of cover for those who’ve previously been declined.

We work with a panel of insurers, including specialist insurers, to help you find the life cover you need.

Top Tips - Applying for life insurance with IBS

Lead a healthy lifestyle - In general insurers will reward not smoking, drinking moderately and being active with more favourable premiums.If you have IBS, insurers will likely want to see that you’re living a healthy lifestyle to help manage your condition
Keep track of your symptoms - Insurers will need to know about the frequency and severity of your symptoms to get a better understanding of how IBS affects you and your everyday life
Have medical notes to hand - Having as much detail to hand as possible can help to prevent delays while insurers obtain this information from your GP or doctor (if required). It may also reduce the need for a medical exam or medical report from your GP
You may still have other options if you've previously been declined - It could still be possible to secure some form of cover through a specialist insurer or through an over 50s plan
Compare a wide range of quotes - Comparing different types of life insurance from a variety of providers is the best way to ensure you secure the right policy at a great price. At Reassured we can help you to do this to save you time and money

IBS help & support

The effects of IBS can be draining both physically and mentally.

Thankfully there are a wide range of resources available for those with IBS, you’ll find links to some of these listed below:

Compare life insurance quotes for IBS

Securing life insurance with IBS is possible and, if your condition is well managed, it could be possible to take out cover on standard terms (this could be from as little as £5 a month through Reassured).

Securing cover through a broker, like Reassured, allows you to compare multiple options from some of the UK’s leading providers.

Not only can we help you to save time and money, but our quotes are personalised to your needs, fee free and without obligation.

So why not get in touch today?

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