Lupus Insurance Questions & Answers
How do life insurance underwriters view people who have lupus?
Obtaining life insurance for people with lupus can range from relatively easy to next to impossible because lupus comes in many different varieties. Lupus can also pose a significant health risk to a person, and an underwriter will view any person with this condition as being potentially more of a risk to insure.
Lupus is a condition of the autoimmune system and can affect many different parts of the body. It can also have a serious health affect on some of the body’s vital organs and is potentially life threatening.
As the disease can affect so many different areas of the body, medical treatment by a variety of specialists to treat the condition may vary from person to person.
Symptoms can reappear as flares and this will be of major concern to the underwriter. How and where the condition affects a person, and their response to a treatment program will also influence how a person is rated by an insurer.
How well a person responds to treatment can also significantly affect the risk being assumed by an insurer. Finding life insurance for people with lupus can range from being easy for some, extremely difficult for others, and some people may be declined.
What are the health risks of lupus?
Lupus is a condition of the autoimmune system. Its cause is unknown and it is difficult to diagnose. There are many variations of this condition but one of the more common varieties is known as Lupus Erythematosus.
Lupus can affect a person anywhere throughout their body including vital organs such as the heart, brain, lungs, kidneys, joints, blood vessels and even the central nervous system.
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Symptoms can be variable and the appearance of these symptoms which range from mild to acute are known as flares.
Treatment may be required by a variety of medical specialists depending on what part of the body is being affected and potentially result in permanent damage to some of the vital organs affected.
Lupus can also result in other health complications such as infection, high cholesterol levels and high blood pressure which will also require treatment.
Finding life Insurance with liver disease
Finding life insurance for people with lupus can range from being relatively easy for a person who has mild symptoms which are treatable, and an outward decline for others with a more acute form of the condition.
The availability of a traditional policy can also vary as some insurers will issue a policy to a person who has this condition while others may be more conservative because they have different criteria in how they rate a person with lupus.
Those who have been declined by insurers and who have a more serious form of lupus will have to seek alternative polices which are available such as a Guarantee Issue life insurance policy or a Critical Illness policy.
These other forms of policies can generally be found though a company or an insurance agent that specializes in serious and high risk health issues. Coverage and premiums will vary from insurer to insurer.
The insurance agents below are listed by the number of contributor points they have earned from answering questions related specifically to Lupus. You may click on an agent to view their individual agent profile.
- 65 Points
- 30 Points
- 10 Points