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Digestive / GI / Bariatric

Modern U.S. life / SI / mortgage-protection underwriting knowledge — actuarial decision framing for software.

Knowledge priority 7/10 Not legacy dump tree

Actuarial software-knowledge disclaimer: These pages synthesize typical U.S. life / simplified-issue / final-expense / mortgage-protection underwriting logic used industry-wide (2024–2026 field guides, carrier appetites, reinsurance mortality framing). They are not any single carrier’s filed rates, not advice to applicants, and not the legacy 2022 database dump. Use them to design interview schemas and carrier-ruleset APIs.

Actuarial view

IBD, pancreatitis, and bariatric surgery are time-and-stability problems. Biologics change morbidity; SI still keys off flares, surgery, steroids, and weight stability.

Primary risk drivers

Condition
Last flare / hospitalization
Surgery dates
Biologic / steroid use
Years since bariatric + stable BMI

Life (full / accelerated)

Map drivers → rate class / flat extra / postpone / decline. Labs & Rx history refine.

Mortgage / FE SI

Stable GI usually fine for mortgage SI.

Health insurance

IBD biologics dominate health cost.

Recommended interview logic (software schema)

Crohn’s, UC, diverticulitis, ulcer, pancreatitis, or weight-loss surgery?

Remote ulcer / diverticulitis resolved

Usually OK

IBD in remission off steroids

Often Standard; biologics carrier-specific

Recent flare / surgery under 12 months

Postpone SI Level

Chronic alcohol pancreatitis

Express decline pattern

Bariatric 12–24+ months, stable weight

Often reconsider favorably

Bariatric under 12 months

Postpone

Typical decision patterns

Profile	Traditional / Express-style	FE / Mortgage SI path
Stable remote GI	STANDARD	OK mortgage SI
Recent bariatric / active IBD flare	POSTPONE	Retry later

Software implementation note

bariatric_months_since, ibd_flare_recency, on_biologic.