Getting Life Insurance If You Have Lupus

If you have lupus, you are automatically a High Risk applicant for life insurance.  Buying life insurance with lupus can be a difficult task.  When you work with us you can count on the best possible rate for life insurance if you suffer from Lupus.

The last thing you need, then, if you have lupus and want to buy life insurance, is more stress. And yet, purchasing life insurance can be complicated, misleading and frustrating for even the healthiest among us.

Unless you have an expert to guide you, getting life insurance for someone who has lupus can very quickly become a mess – which is why we are here to help you.

Local Life Agents appreciates the seriousness of lupus as a chronic, incurable medical condition. We also know that buying life insurance if you have lupus will be a definite challenge.

According to the Centers for Disease Control and Prevention (CDC) and the Lupus Foundation of America, as many as 1.5 million Americans may have some form of lupus.

The disease is a contributing factor regarding organ failure (of the kidneys), infections and heart attacks, each resulting in death.

Lupus continues to have a high mortality rate, with 14.5% of all forms of rheumatic disease ending in patients losing their lives. And, minus developments during the last four years, there are almost no new treatment options for lupus.  So let’s get started here’s what you need to know to get covered.

What Is Lupus?

According to the Mayo Clinic, lupus is an inflammatory autoimmune disease that strikes a patient’s tissue and organs.  The inflammation can impact the joints, kidneys, blood cells, brain, skin, and heart and lungs.

Lupus often goes undiagnosed because its symptoms are similar to other illnesses.  One sign, which is almost exclusive to patients with lupus, is a facial rash that looks like a butterfly or has a butterfly-like pattern.

There is no cure for lupus, which can be aggravated by certain medications, infections or even exposure to direct sunlight.

Lupus Underwriting

The life insurance underwriting guidelines involving lupus are difficult, but that does not mean an applicant cannot receive coverage.  One major concern will be the type of lupus you have.  Systemic or Discoid

The following information will influence the outcome of the underwriting process for someone with lupus, who wants to get life insurance:

  1. The date of diagnosis.
  2. Type of lupus (Systemic or Discoid).
  3. Organs scarred or weakened by lupus.
  4. The types of medication an applicant takes.
  5. If the disease is in remission, the last recorded relapse.
  6. Additional health problems.

Possible Outcome

Best case: Standard with diagnosis over 5+ years

Typical case: Standard rates up to a Table 8

Worst case: Decline if Lupus was developed under 20 years of age.

Life insurance companies call substandard ratings “table ratings.” You can learn more about substandard rates here. This will show you how a substandard rate can increase your premiums and what you can expect.

NOTE: If you are currently on disability you chances of getting covered form any life insurance company are slim to none.  You can read about our guaranteed issue life insurance options here.

Get a Quote

By clicking on and filling out the enclosed questionnaire Local Life Agents can immediately shop among more 40 insurance carriers, to see if you qualify for coverage. We can then can offer you permanent life insurance or term life insurance.

Local Life Agents is your ally because we have a proven record of getting life insurance for people who have lupus. Whether it is a traditional fully underwritten policy or a guarantee issue policy we can get you coverage.

We will be with you throughout this process because it typically takes at least six weeks (or more) before a life insurance company finishes its review and underwriting of your application.

During that time, you will take a free medical exam with a paramedical representative.  The exam allows a life insurance company to analyze your overall health and your medication history.  No offer will be made until you complete the exam and the underwriting process.

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