Syndicated Financial Columnist, Host of the weekly talk show Steve Savant's Money, the Name of the Game, Scottsdale Arizona
Video Transcript: Can I get life insurance if I have lupus? Well, it depends upon some of the answers to these questions. The first is, I need to know the date it was first diagnosed. And then, what type of lupus was diagnosed? Was it systemic? Was it discoid lupus or drug induced SLE? I'll also need to know, is it in remission, or is it currently present?
Then I need to go through this checklist. Do I have low blood count, neurological disorders, protein issues, high blood pressure, lung involvement, heart involvement, renal insufficiency or failure altogether?
Is the insured taking any medications? All these areas will give us an idea of how to price and get an offer from a specific carrier that is really benevolent in their underwriting when it comes to lupus.
Almost all people with lupus are able to get some type of life insurance policy. Mild, well controlled, systemic lupus alone should not keep you from getting any amount for which you are financially qualified. If you have had recent flare ups, are on steroids, or have complications from your lupus, you may need to take a nonmed policy. There are some no exam policies that do not ask about lupus, and that have reasonable rates.
Contact a good impaired risk life insurance agent that carries lots of choices for those with health conditions, and you should be able to get affordable life insurance while having lupus.
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Then I need to go through this checklist. Do I have low blood count, neurological disorders, protein issues, high blood pressure, lung involvement, heart involvement, renal insufficiency or failure altogether?
Is the insured taking any medications? All these areas will give us an idea of how to price and get an offer from a specific carrier that is really benevolent in their underwriting when it comes to lupus.
Contact a good impaired risk life insurance agent that carries lots of choices for those with health conditions, and you should be able to get affordable life insurance while having lupus.