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So I finally received a letter back from the life insurance company.  I enjoyed 
their first sentence.  "We received your appeal of our decision to decline your 
request for coverage.  Currently our files remain closed and we will not 
reopen."  What a great way to start a letter.  So here is what they say in 
response and I will write word for word.  "Unfortunately, your medical history 
of Celiac Disease does not meet our underwriting guidelines.  Therefore we are 
unable to approve your request for coverage.  However we would be willing to 
re-consider your request for coverage after a period of 1 year from your most 
recent negative Small Bowel biopsy, and with evidence of continuous negative 
TTG test results during that period."  So there it is, their expanation.  Do I 
understand this correctly?  If I get a biopsy tomorrow and it is negative then 
a year from tomorrow they will consider me for insurance.  That doesn't even 
make sense.  The moment I have a negative biopsy they should consider me, 
let alone the fact that since my diagnosis I have had blood work that is within 
normal range.

Visit the Celiac Web Page at Http://www.enabling.org/ia/celiac/index.html
Archives are at: Http://Listserv.icors.org/SCRIPTS/WA-ICORS.EXE?LIST=CELIAC