At TermLife2Go, we strive to stay on top of the latest trends within the realm of life insurance. By paying attention to the different carrier niches we help our clients chose among the top 10 best life insurance companies and the top 10 no medical exam companies in the marketplace, tailored for each specific client’s need. Knowing which company to choose for a specific ailment or lifestyle allows us to help our clients find the best life insurance rates by age for people with lupus. Give us a call today to see what we can do for you.
Lupus and Life Insurance
More than 1 million Americans have lupus; that’s more than the number of people who have HIV or multiple sclerosis, yet public knowledge about lupus is minimal at best. If you have recently been diagnosed with lupus, you may find yourself with a lot to learn—and that might include trying to figure out how to obtain the best types of life insurance policies with your condition.
Buying life insurance with Lupus
What is Lupus?
Lupus is a disease that occurs because your immune system is faulty. There are a number of ways it can be faulty, all of which, like lupus, are considered to be autoimmune diseases. In the case of lupus, the compromised immune system leads to problems in a person’s organs, joints, or skin. It is a persistent disease, and the symptoms can last for weeks and years at a time, flaring up and going into remission.
It is important to know there are multiple types of lupus. The type of life insurance policy you qualify for will depend on the type of lupus you have. Burial insurance or final expense may be the only choice for those who suffer from a more serious condition of lupus. See the best final expense and burial insurance companies.
Systemic Lupus (systemic lupus erythematosus)—this type of lupus causes arthritis-like symptoms such as joint pain and swelling. People are also often fatigued, and suffer from general body discomfort. So long as there are no complications, it is relatively easy to qualify for life insurance at a higher premium when you have systemic lupus erythematosus. As with many diseases, it is easier for a life insurance agency to understand how you cope with lupus if you have had your diagnosis for a longer period of time. If you have lived with systemic lupus (and without complications) for more than five years, you will likely pay less for your life insurance policy than if you were just diagnosed with systemic lupus a month ago.
Discoid Lupus (discoid lupus erythematosus)—This type of lupus affects the skin with sores and inflammation. Although this is can be very painful and disruptive to day-to-day life for the patient, it is not a big deal to life insurance companies. Life insurance companies are interested in illnesses which pose a threat to your longevity, and while it may be a hard illness to live with, as long as there have been no complications, then having discoid lupus should not play any part in your life expectancy. You should be able to get a life insurance company to underwrite a standard policy when you have discoid lupus.
Both of these are considered types of lupus erythematosus. There are other classifications of lupus erythematosus including, but not limited to:
- Acute cuaneous lupus erythematosus
- Subacute cutaneous lupus erythematosus
- Complement deficiency syndromes
- Drug-induced lupus erythematosus
Your potential life insurance company will consider your specific type of lupus, and how it impacts not only your daily life, but also your future. After considering the specifics of your condition, your life insurance carrier will decide what kind of, if any, policy to underwrite and at what cost.
What will they ask me?
After you have informed a life insurance company that you are living with lupus erythematosus, they will request more details. It is your responsibility as a patient to answer the questions as truthfully as possible—even if you believe it may harm your chances at low-rate life insurance coverage. If you do not answer the questions honestly or to your complete knowledge, then you may jeopardize your policy at the time of payout. To prepare for your life insurance application, here are a few questions you may be asked by your desired life insurance provider:
- When were you diagnosed with lupus?
- Have you ever been hospitalized or had any complications due to your lupus?
- What form of lupus do you have?
- What symptoms do you encounter?
- How long was your longest bout of enduring the symptoms?
- How often do your symptoms flare up?
- Name the parts of your body affected by your lupus.
- Are you currently being treated for lupus? If yes, what is your treatment plan?
- What other kinds of treatment have you used in the past, if any?
- What does your doctor have to say about your condition?
- Are you currently receiving disability support from the government due to your lupus?
These are sample questions that an insurance company may ask you while determining whether or not to underwrite your policy. These questions will also help an insurance provider decide whether or not to charge a premium.
How do I find the right life insurance company if I have Lupus?
There are many life insurance companies in the market, and it can be very complicated to read and understand what each one has to offer. It is important to realize that life insurance companies have different opinions; one insurance company may choose to reject you while another offers you a standard life insurance policy. It is difficult for you to know which insurance providers are better for your specific condition; one life insurance may be the right choice for a diabetic, while another is better for someone with an autoimmune disorder like lupus.
TermLife2Go is here to help you navigate your way through the many life insurance companies and policies available in order to align you with the most lupus friendly life insurance carrier. We listen to you and find out about your concerns and needs. Then, we make recommendations specific to your situation. We have a deep understanding dozens of the best life insurance companies, their requirements, and the different types of life insurance policies they offer.
This makes us a go-to choice for people looking for more than just life insurance, but the best life insurance. If you would like us to help you find the life insurance policy best for you, then please get in touch with us today.
So, what are you waiting for? Give us a call today or visit our Life Insurance Quotes page and see what we can do for you!