Crohn's disease is a chronic inflammatory bowel disease that can affect any part of the gastrointestinal tract, most commonly the ileum and colon. Symptoms include abdominal pain, diarrhea, weight loss, fatigue, and sometimes fistulas or strictures. The course is typically relapsing and remitting, requiring long-term management with medications such as biologics, immunosuppressants, and steroids and sometimes surgery. Complications can include malabsorption, anemia, and increased risk of certain cancers. In life insurance underwriting, CrohnTMs disease is evaluated based on severity, frequency of flares, treatment response, and presence of complications.

Underwriters review CrohnTMs disease cases using gastroenterology notes, colonoscopy and imaging reports, lab results, and hospitalization histories. Well-controlled disease with infrequent flares and stable weight may qualify for moderate ratings, while severe, steroid-dependent, or surgically complicated cases may be postponed or declined. Advisors gather detailed GI records and encourage clients to document treatment compliance and remission periods. Understanding CrohnTMs disease helps advisors set realistic expectations, choose carriers more comfortable with autoimmune and inflammatory conditions, and communicate sensitively about a challenging chronic illness.