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.