I've had no success at getting underwritten for life insurance. I've only gotten policies that required no history or physical exam (e.g. basic levels of employer-sponsored policies). Our mortality isn't actually increased, but if you think doctors are ignorant about J-pouches, actuaries have even less of a clue.

I believe it isn't the colectomy that is the problem, but the UC diagnosis. UC increases your cancer risk. I was able to get whole life insurance through work when I was 20. That was 40 years ago and I never was able to increase the value.

Jan

I agree, Jan. What's ironic is that a J-poucher's cancer risk (if it was for UC) is probably a bit lower than an otherwise healthy, coloned person, since a common cancer has been made very unlikely, but the insurance company hasn't a clue.

Agree with you both.  I did get some insurance early on, but I've never been able to increase it.  Worked in one state where job had a great policy that was just a benefit.  The job was awful; the benefits were great.  I wonder if you can just keep inquiring and meanwhile, maybe just save as much as you can - (obvious, I know) - as in - no new cars, etc. - that money goes into fund for your family?  I look back at money I spent all my life on things I did not need and I'd have a fortune now if I didn't spend it on new cars, etc. I know that does not solve the problem immediately, but it might make you feel you are taking some control of your situation.