Life Insurance with Lupus

by Jeff Rose on November 17, 2016 · 2 comments

in High Risk Insurance, Term Life Insurance

Life insurance is an extremely important purchase that you’ll make for the future protection of your family. It’s the best way to ensure that your loved ones will have the protection they need if anything were to happen to you unexpectedly.
life insurance lupus

When applying for life insurance, a variety of factors affect your eligibility for insurance. These factors include your lifestyle, health, mental health, and mortality rate. Your mortality rate is one of the most important of these, and your lifestyle, health, and pre-existing conditions greatly affect this. That is why people who have pre-existing conditions are less likely to be approved for life insurance because their mortality rate will be higher because of the condition, especially if the condition is serious.

Those individuals who have a disease known as Lupus will have an especially difficult time getting life insurance. The majority of life insurance companies will not insure people who have Lupus. However, there is hope in the few life insurance companies that are willing to work with sufferers of Lupus. If you’ve been told that you can’t get affordable life insurance coverage because of your Lupus, don’t believe it. There are several options to give your family the protection that they deserve.

Symptoms of Lupus

Lupus is an inflammatory disease that occurs when the body begins to attack its own organs. It can affect the lungs, heart, skin, kidneys, and joints. In many cases of cases of Lupus, a butterfly shaped scar will appear on the affected person’s face. It is hard to diagnose because many of the symptoms are similar to those of other ailments. Lupus most commonly occurs in women. There is no cure for Lupus, but many treatments are available to help those with the disease live normal lives. The symptoms tend to come and go in what are called “flares.” The cause for Lupus is unknown. Previously, there were many fatalities due to the disease, but with advances in treatment for the disease, fatalities have now become a rarity. However, given the unpredictable nature of the disease, most insurance companies are hesitant to insure those who have it.

Life Insurance Approval with Lupus

There are four different types of Lupus. Those who have the less severe type will have a better chance at being able to get life insurance. However, people with Lupus can purchase life insurance policies with lower benefits. There are many top U.S. life insurance companies who will specially offer life insurance for people with Lupus. Since the death rate for people with Lupus is fairly low, these companies are willing to provide policies to people who have the disease. In order to get an adequate life insurance policy, people with Lupus will have to find those companies who are knowledgeable of Lupus statistics. Here are some ratings you can expect to see when purchasing life insurance with Lupus.

Life Insurance with Systemic Lupus

With Systemic Lupus, a lot will depend on the age of onset of the disease.

  • Age 20 or under when onset occurs – DECLINE

If You are 20 and over, a lot will depend on how long ago you were diagnosed.

  • Diagnosed in the past 12 months – Postpone
  • Diagnosis 1-3 years ago – around Table 8 is the best rating you will see
  • Diagnosis 3-4 years ago – around Table 6
  • Diagnosis 4-5 years ago – around Table 4
  • Diagnosis 5+ years ago – possible Standard to Table 2 Rating

Some additional information that will determine your rating.

  • If you are over 60 when onset of Lupus occurs, subtract 2 Table ratings
  • If your are treated with higher doses of steroids, add 2 Table ratings
  • If you are on disability because of the disease, it will be a DECLINE
  • If certain orgns are affected such as lungs, kidneys, or there is cardiovascular or CNS involvement, it will also be a DECLINE

Life Insurance with Discoid Lupus

The best rating you could receive with Discoid Lupus is Standard Plus – Standard. This is only the case if no oral steroids are taken and you have favorable lab results. If the diagnosis of Discoid Lupus is recent, you can expext Table 2 to be the best rating you will see.

With Discoid Lupus you can also see different ratings depending on how it is treated.

  • Low dose of oral steroids ( less than 15mg per day), add 1 table rating
  • High does of  oral steroids( 15mg or more per day), will be a DECLINE

Factors to Consider

As you can see, there are dozens of different factors that are going to be considered when you apply for life insurance, but the condition and type of Lupus are not the only factors that are going to be accounted for when the company looks at your application. They are also going to want a generic picture of your overall health. This is going to consist of your weight, blood pressure, heart rate, and other simple vital signs. If you want to increase your chances of being approved for coverage, as well as to get the best rates possible life insurance rates, you’ll need to improve your health. There are several ways that you can do this.

The first is through a healthy diet and getting regular exercise. Both of these are going to help you lose weight, lower your blood pressure, and show that you’re committed to your health. It’s a great way to drastically increase your chances of being approved and getting affordable premiums.

Additionally, if you want to improve your chances of getting the best coverage possible, you’ll need to kick any bad habits like smoking. Smokers pay twice as much as non-smokers for their life insurance protection. Couples with any pre-existing conditions, like Lupus, you’re looking at premiums at could break your bank.

When to Apply

It is better to apply for insurance when the Lupus has been in remission for at least six months. This will increase your chances of getting insured. If you regularly take your medications and take the steps to control your disease you will also have a better chance. However, it is important to be truthful when applying for insurance. Do not exaggerate how long your Lupus has been in remission or about the severity of your disease. While it may be a little more difficult, it is very possible to get insurance if you have Lupus. You just have to investigate the right insurance companies to find the right policy.

Because there are so many different companies to choose from, you could spend weeks and weeks calling different companies to find the best one for you. Or you can let us do all of the work for you.

The best and easiest way to find the best company when you’re applying with a pre-existing condition like Lupus, is to work with an independent agent. Our agents at Life Insurance by Jeff don’t only represent one single company, but instead we work with dozens of highly rated companies across the country. Working with our agents will save you both time and money. We understand the insurance marketplace and know which companies have experience working with applicants with Lupus. Don’t waste your time calling dozens of companies and answering the same questions over and over. Let us do all of the hard work for you.

If you have any questions about getting life insurance with Lupus, please contact us today. It’s our mission to ensure that you’re getting the best life insurance to protect your family, regardless of what happens to you. You don’t know what’s going to happen tomorrow. Don’t wait any longer to purchase a life insurance policy to get the peace of mind knowing that your family will be taken care of in the future.

{ 2 comments… read them below or add one }

Marquita Hickman May 5, 2013 at 5:43 pm

Hello! I am a fifty six yr old African-American woman with Lupus and I need insurance coverage so my family is not left with the burden! Please help me, what kind is best for me? Thank you


Jeff Rose May 6, 2013 at 3:21 am

@ Marquita We would be happy to help. Please be sure to contact our office and we’ll find the best carrier for your situation.


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