Can Someone Buy Life Insurance With Lupus?

If you’re looking for life insurance with lupus, you’ve come to the right place. Let us be a resource to you so you can be confident in your purchase, knowing what approval rating to expect, and which carrier to apply to.

All carriers are not created equal when you apply for life insurance with lupus, and using an independent agency like us will solve this problem ahead of time. We have the knowledge and experience to get you the best premiums in the market place.

Below you’ll find the information we need from you to get started. Providing us with as much information you can up front will make the process even more seamless.

Let’s begin.

Life Insurance With Lupus

First, what is lupus and how does it affect buying life insurance? According to the Lupus Foundation of America:

Lupus is a chronic, autoimmune disease that can damage any part of the body (skin, joints, and/or organs inside the body). Chronic means that the signs and symptoms tend to last longer than six weeks and often for many years.

In lupus, something goes wrong with your immune system, which is the part of the body that fights off viruses, bacteria, and germs (“foreign invaders,” like the flu). Normally our immune system produces proteins called antibodies that protect the body from these invaders. Autoimmune means your immune system cannot tell the difference between these foreign invaders and your body’s healthy tissues (“auto” means “self”) and creates autoantibodies that attack and destroy healthy tissue. These autoantibodies cause inflammation, pain, and damage in various parts of the body.

Lupus is also a disease of flares (the symptoms worsen and you feel ill) and remissions (the symptoms improve and you feel better).

Understanding how the life insurance process works and knowing what the underwriters are looking for will greatly help you navigate to the best policy. While some companies will only offer sub-standard policies or even decline you, others are very willing to offer great coverage at very affordable prices.

Depending on the classification, or type, of the lupus you were diagnosed with, your questions could be slightly different when applying. Life insurance with lupus is obtainable with both kinds, but you could be approved at different rating classes from separate carriers depending on which kind it is.

Systemic Lupus

This type of lupus is referring to the lupus having an effect on the major systems in your body. Depending on its spread to major organs, this type of lupus can be the most difficult to insure. The key factors the underwriters will be looking for are:

  1. Date of Diagnosis
  2. Age at Diagnosis
  3. Affected Systems
  4. Treatments Undergone
  5. Dates of Treatments
  6. Severity of Symptoms
  7. Other Health Issues

Because life insurance with systemic lupus is so complex to obtain, you should note that there are two main characteristics which will automatically disqualify you from traditional coverage. The first is age at diagnosis; any diagnosis occurring before age 21 is not currently insurable. The second is the time frame in which the lupus was originally diagnosed. If you find yourself looking for life insurance inside of 12 months, it will be particularly difficult to get covered and a decline might be expected.

If you are under 21 or recently diagnosed, this is where to find coverage: Guaranteed Issue Life Insurance Coverage

Life insurance with systemic lupus is very possible if you can bypass those two points, and you can even secure above average rates (meaning you could get discounts) if you have a long and stable history. The less treatment you need the better, and if you’re clear of any other major health issues, you could expect a Standard or better rating from a handful of aggressive insurance companies.

Discoid Lupus

This is the type of lupus which is external and more common among those diagnosed with lupus. Life insurance with discoid lupus can be easier to obtain than life insurance with systemic lupus because it usually only affects areas of the skin or epidermis. Discoid lupus and life insurance are dependent on less factors, including:

  1. Date of Diagnosis
  2. Age at Diagnosis
  3. Severity
  4. Treatments
  5. Other Health Issues

While some of the same rules apply, such as age at diagnosis, the key factor to getting life insurance with lupus if the systemtic type has been excluded through testing is severity and other health issues. If the severity is pretty mild and your overall health is good, you could expect Standard or better rates. Any medications you take as regular treatment or prevention could harm your rating slightly, depending on the frequency and dosage.

If you have dealt with remissions, this is valuable information for both us and the underwriters, as it provides a more clear indication of the severity of your lupus. In addition, tracking all flare ups (also called flares) are necessary and should be documented as best as possible. The more information you can provide, the faster you can expect to be approved, if possible.

While this is a general guideline, each person who is seeking life insurance with lupus has an individual story to tell, and each situation is uniquely underwritten. For example, two people looking to buy life insurance with lupus could have virtually identical cases, although one diagnosed 3 years ago might be approved at table 6, whereas someone diagnosed earlier could see a standard or table 2.

Again, the particular company you apply with will also be a big determining factor. If you have been previously declined, you might still be able to find coverage through a carrier who is more apt to approve life insurance with lupus.

If you have questions about your purchase of life insurance with lupus, please contact us. We’ll be happy to assist you, and identify what rating you can expect to be approved at, how much you can expect to pay, and pair you with the best carriers nationwide

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