Life Insurance for Lupus Patients
It is possible to get life insurance for Lupus patients.
Term or permanent life insurance can be difficult to get with a history of lupus. This is due to the increased risks associated with the disease. However, it does mean someone with lupus cannot get coverage. It may cost more for a person with Lupus to get life insurance compared to someone without a health condition. The reality is if you have lupus there is a good chance that you will pay a higher premium rate for term or permanent life insurance.
They type of Lupus you have can determine how much more you need to pay for life insurance. Everyone with Lupus can get a policy but the cost they will need to pay is the issue.
This form of lupus affects only the skin and can cause rashes. It can go away and then come back. Discoid lupus is associates more with women than men and most commonly occurs between the ages of 20 and 48. About 10 percent of people with discoid lupus, progresses to systemic lupus.
This kind of lupus can affect just about any part of the body. The symptoms can be mild to severe and tend to come and go. Common symptoms include painful joints, rash, fever, hair loss, loss of circulation, ulcers and major fatigue.
Which type of insurance to apply for:
If someone has either Discoid Lupus and no other health complications or Lupus that has been dormant for many years, they can apply for a fully underwritten insurance policy. Insurance carriers offer the best rates if you purchase a fully underwritten policy. For those that have Systematic Lupus or Lupus with other health complications, they should apply for a simplified issue or guaranteed issue policy. Call our office for more specific details. We have included a link to our lowest cost guaranteed issue term and permanent life policies below. You can click the link to get a quote and or apply. The link will take you to our MEC99 quote site which allows you to get an instant quote