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Life Insurance with Lupus

Reviewed By: Rob Pinner

Rob PinnerRob Pinner is the founder and CEO of Pinner Financial Services servicing all 50 states. Rob started his insurance career in 2002. Full Bio >

Checked By: Holly Mitchell

Holly Mitchell’s background in life insurance insurance goes back to 1985 when she worked for her father who was a New York Life agent. Holly has a marketing degree from Auburn University and has had a life insurance license since 2008. In addition to advising life insurance for customers all around the country, Holly is our website fact checker.
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Last Updated: August 5th, 2023

Getting life insurance can be worrisome if you have been diagnosed with lupus.

Since there are higher risks associated with this disease, many companies may turn you down or offer you a low rating class with a high premium.

However, even those diagnosed or currently being treated for lupus can get a great life insurance policy at a reasonable rate.

Types of Lupus and How They Change Life Insurance

The type of lupus that you have will affect how life insurance companies handle your application.

Here are the two forms of lupus and the life insurance ratings you qualify for.

Systemic Lupus

Systemic lupus may affect nearly all body parts.

Therefore, life insurance rates for those with systemic lupus will take into consideration the amount of organ involvement, date of diagnosis, and when your last treatment was.

First, let’s look at age of diagnosis.

If your age at onset was under 20 years old, then you will likely be declined for a traditional policy and will need to pursue a graded benefit policy or accidental policy.

For those diagnosed over the age of 20, then how many years it has been since diagnosis will come into play.

The longer it has been since your diagnosis, the better the rate that you will get.

If you were diagnosed one to three years ago, for example, you will be in table 6-8 range.

If you were diagnosed three to four years ago, then you are in table 4-6 range.

Those diagnosed four to five years ago are in table 2-4 range, and those diagnosed over five years ago may be able to get standard rates.

Unfortunately, preferred life insurance is not available for anyone with systemic lupus.

If you have not had any therapy in over five years, however, then you might be eligible for standard or standard plus rates.

If you have not received treatment for three to five years, then standard is still possible.

To better understand what table ratings mean, read our guide to understanding health ratings.

Discoid Lupus

Discoid lupus only affects the skin, causing rashes that can sometimes lead to scarring or hair loss.

It typically occurs from the age of 20 to 45, with about ten percent of cases progressing into systemic lupus.

If you have discoid lupus, and systemic lupus is completely ruled out then you may be eligible for standard life insurance rates.

Preferred will still be unavailable for those with this type of lupus.

If you have not taken oral steroids and your lab results are favorable, however, then you can get standard or standard plus.

Questions for Life Insurance with Lupus Applicants

To ensure that we are able to match the best life insurance company and provide you with an accurate quote, here is what life insurance underwriters will want to know:

  • The date of your diagnosis and the type of lupus you have.
  • Which organs or tissues are affected by the disease.
  • What medications you are currently taking and at what dosage.
  • If you are not currently being treated, what the last date of required treatment was.
  • If the disease has ever disappeared or relapsed, you will need to provide the specific dates it happened.

This should guide you in understanding how we go about finding the best policy if you have lupus.

Finding The Best Life Insurance Policy with Lupus

The wisest financial purchase you can make is life insurance, nobody should go without it.

Life insurance is the only way that you can provide for your family, regardless of what happens to you.

Leaving your family with numerous debts after you’ve died makes a tragic situation unbearable. Have you thought about final expense life insurance?

If you were to die, your family members would find themselves over-leveraged.

This is one of the worst things that you can do. You could leave your family in debt up to several times your income.

Every year there are countless families that suffer financial strain because of the sudden passing of a family member.

Having questions about life insurance as an applicant with lupus, please get a hold of our company today, and we will walk you through the answers.

Life comes at you fast and our team is ready to make sure your family is protected.

The best way to get affordable life insurance is by comparing rates from dozens of insurance companies before you pick the one that works best for you.

Doug Mitchell, CLU

Doug Mitchell, CLU

Doug Mitchell, CLU holds a BA degree in Finance from Auburn University as well as having obtained a Chartered Life Underwriter (CLU) designation from The American College in Bryn Mahr, PA. Doug has spent close to 30 years in the life insurance and financial planning industry and has held licenses to sell securities, long-term care insurance, health. Some other notable items about Doug: Top of the Table Million Dollar Round Table member (MDRT). (MDRT is a global, independent association of the world’s leading life insurance advisors) | Premier Partner with Lincoln Financial and Cabinet Member | Served two years as President of the Auburn/Opelika Association of Financial Advisors | Life Millionaire status at Horace Mann Insurance Company and was awarded the Life Agent of the Year Award | New York Life, Executive Council Member | Currently serves as President of Ogletree Financial, a life insurance General Agency. | Doug is also a financial blogger addressing the topics of life insurance, annuities and retirement income planning.

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