So I had a J-Pouch done is 1989 - 27 years ago when I was 23 years old. I get my pouch scoped at least once a year. No major issues except an occasional fistula that closes on its own. I'm now 49 and I'm trying to secure term-life insurance. I've already been flat out denied by 3 different major companies "due to my history of Ulcerative Colitis". What gives? Talk about discrimination and lack of understanding! Has anyone here been able to obtain life insurance after their diagnosis of UC? Are there any "UC Friendly" companies that have underwriters who understand that J-pouchers are at LESS risk for cancer???
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As far as they are concerned, any risk that puts you above their bar is risk enough. You can ask for a medical review, but good luck with that. The people doing the denying are low level pencil pushers, not medical experts.
I would suggest trying to get term life through any organization you belong to or work. Sometimes it is worth it to join organizations for this. I was able to get whole life insurance that was inexpensive, and I even had my colon then, but that was 35 years ago and it was offered through my government job. That policy has been sold to three other providers since then.
My husband got term life and disability while he was working and we had kids to support. But this was before he got UC and diabetes, so those both would have made it either impossible or outrageous. Now that we are retired, we happiliy let it go. But, we still have our little whole life policies.
Good luck!
Hopefully someone will chime in with some good insight.
Jan 
Thanks Jan. I have incredible insurance now through work, but once I retire and leave, it goes with it. I'm looking into organizations now and we'll see how that goes. If anyone has had a positive experience with this, please chime in. Thanks.
Well, after you retire your insurance needs go down. That's why we stopped term life and disability after retirement. It was mostly to replace income stream while working. If you don't think you'll have your mortgage paid off by retirement, you can look into mortgage life insurance, so that anyone left behind is not forced to sell the family home.
Another angle is to just put that money to work for you in a 401(k) or IRA. No medical exam required! We also put money away in our HSA account and did not draw from it. Tax free use when we need it for high medical costs.
Jan
Glad to see this post- I've also tried to get life insurance and denied because of UC. I work for the government & will purchase more through them. Thanks to all the guidance.