In working with clients who have chronic conditions, it’s important that you understand and manage their expectations – just as they have to understand and manage their symptoms. Certain types of these conditions are highly treatable and can result in strong offers from carriers, but it’s critical that you perform due diligence in learning about the client’s individual situation and outlook. Ulcerative colitis, commonly referred to as UC, is an example of one we are starting to see more frequently on applications from our agents.
Ulcerative colitis is a type of inflammatory bowel disease (IBD) that can cause long-lasting inflammation of the digestive tract and ultimately affect the lining of the large intestine, or colon. UC can closely resemble Crohn’s disease in terms of symptoms but can require very different treatment. Both can be debilitating and even life threatening depending on the severity of one’s symptoms, the progression of the condition over time and its potential complications. Clients with UC often experience severe or repeated pain in the abdomen without any explanation, a change in bowel movement and excretion, and weight loss.
Though the cause of UC remains unknown, family history of the condition can be a significant risk factor. UC seems to affect men and women equally and can occur at any age across all races. There is also no known cure unless the colon is completely removed, but a significant reduction in symptoms is possible with different types of treatment depending on the client. Treatments can range from medication and dietary modifications to surgery for those experiencing severe complications. Examples of those complications include severe bleeding, a perforated colon, severe dehydration, liver disease, kidney stones, a rapidly swelling colon (also known as toxic megacolon) and potentially liver cancer.
In order to better diagnose and treat a client’s symptoms, a colonoscopy is typically performed, while blood tests, CT scans of the abdomen and even x-rays may be necessary. If a client is receiving drug therapy or undergoes surgery to remove part or all of the colon, repeated doctor visits will be necessary, all of which should be noted in your cover letter.
After undergoing treatment, if the client has no recurrence of symptoms for two years, it may be possible to obtain a standard to Table 2 rating. If the symptoms of the UC persist but are managed through medication or other treatment, a Table 4 rating can occur. However, if the client is making repeated emergency room visits, is continually passing blood or experiences ongoing symptoms, a decline is eminent. By working with Creative Life to comprehensively evaluate a particular client’s condition and understanding these potential outcomes, it will be easier to manage client expectations and achieve the best possible offer. Contact your Life Sales Relationship Manager for “chronic” support and assistance.
FOR AGENT USE ONLY. NOT FOR USE WITH THE GENERAL PUBLIC. 12195 – 2012/2/16