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Qualifying for Life Insurance with Lupus

Researcher & Writer
August 09, 2017

Do you have lupus and want to know if you will qualify for a term or whole life insurance policy? Then you have definitely come to the right place!

This article is designed to help insurance seekers like you who have been diagnosed with lupus in the past, find all the answers you’ll need with regards to applying and qualifying for life insurance.

What is Lupus?

Lupus is a chronic autoimmune disease that prevents the body from effectively fighting off germs, bacteria and viruses. This compromises the entire immune system. Lupus is not a contagious disease.

Severity of Lupus

Lupus can be almost insignificant, life-threatening and everything in between. For most people with lupus, it’s possible to manage the disease and minimize its symptoms.

In some cases, lupus may even disappear entirely with time, however, this is not all that common. More commonly, symptoms will simply go into remission, but may reappear at a later state.

Treatment for Lupus

Unfortunately, there is no known cure for lupus, but there are plenty of medications that one may take in order to mitigate ones’ symptoms from their lupus.

It is these Medications…

That will peak most life insurance companies interest.  And as a result, you’ll likely be asked about the types of drugs you are taking and have taken to treat you lupus. That’s because they want to know about possible side effects for the medication that has gone into your body.

Qualifying for Life Insurance with Lupus

Because the spectrum of the severity of lupus is so vast, the eligibility for life insurance is as well.


Just stating, “I have lupus” doesn’t really tell us much about your eligibility. Will you be able to qualify for life insurance with lupus? If so, will you get a preferred rate with lupus? These are questions that need more information before we can give you a definitive answer. But in brief:

Can people with lupus qualify for life insurance?
Yes – if they don’t have any major complications. The majority of people with lupus will qualify for a traditional term or whole life insurance policy. Only in rare instances where lupus has left them with severe residual effects, will a person be denied life insurance because of lupus.

Can I get a preferred rate with lupus?

Again, yes. It’s possible, but not for everyone with lupus. If you have residual effects or severe lupus, then you may not qualify for a preferred rate.  In cases like these, it’s important to understand that there are over 14 different rate classes and only a small percentage of applicants will be able to qualify for a Preferred Plus rate class even with or without being diagnosed with lupus!  In some cases, they may even be able to qualify for a no medical exam life insurance policy as well!

Other reasons you may not get a preferred rate…

Lupus is just one of the things life insurance companies will look at when they see if you qualify for a policy. There are many other health and non-health related factors that a life insurance company will look at before underwriting you a policy. Those things include:

  • Diabetes
  • Heart problems
  • High blood pressure
  • Obesity
  • Medical problems that run in your family
  • Alcoholism
  • Drug addiction or regular drug use
  • Prescription medications
  • Bipolar disorder or clinical depression
  • Cancer
  • HIV or AIDS

These are just some of the things that life insurance companies will look in addition to any other pre-existing medical conditions before issuing you a term or whole life insurance policy.

How life insurance companies determine your rate

Life insurance companies decide on your rate depending on how “risky” they think you are as an investment. Simply put: life insurance companies determine how high of a chance there is that you will die earlier than your peers.

Each life insurance companies weigh the factors differently. Even when it comes to lupus – some life insurance companies are more forgiving than others.

Which life insurance companies are good for people with lupus?

This is a great question…but unfortunately there isn’t a simple answer. While there are a few life insurance companies that normally work out better for people with lupus, since there are other factors involved that aren’t related to your lupus, we can’t just make that kind of recommendation without knowing more about your background. The reason being, that we don’t want to say one life insurance company is great for people with lupus if in fact, another factor in your life may make that life insurance less than the best choice for you.

Give us a call!

If you truly do want to know which life insurance company is right for you, a person with lupus and other life factors, then give us a call. Once we know everything a life insurance company would want to know about you, then we can make an informed, personal recommendation that will fit your needs.

And the great thing is…

That we here at TermLife2Go work with dozens of highly rated life insurance companies so when it comes time to helping you find the best life insurance policy that you can qualify for, we’re sure to have plenty of options!

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!

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We are a team of life insurance experts with the simple mission of helping you find the best coverage for your unique situation. We research, review, and rank life insurance companies to make that process easier.