Celiac disease is an autoimmune disorder in which ingestion of gluten damages the small intestine, leading to malabsorption, gastrointestinal symptoms, anemia, weight loss, and potential long-term complications such as osteoporosis or certain malignancies. Diagnosis is typically based on specific blood tests and confirmatory small-bowel biopsy, and treatment requires strict lifelong adherence to a gluten-free diet. When well controlled, many patients regain normal health and life expectancy, but uncontrolled or undiagnosed celiac disease can cause chronic inflammation and nutritional deficiencies. In life insurance underwriting, celiac disease is evaluated for disease control, complications, and compliance with treatment.

Underwriters review celiac disease cases by examining gastroenterology notes, biopsy results, lab work, and documentation of a gluten-free diet. Applicants with well-controlled disease, normal labs, and restored weight usually qualify for standard or even preferred offers. Those with persistent malabsorption, weight loss, or associated autoimmune conditions may receive ratings. Advisors encourage clients to share full gastroenterology records and highlight stable control. Understanding celiac disease helps advisors reassure many clients that a well-managed diagnosis is often insurable on favorable terms and underscores the importance of dietary compliance.