Can I Get Life Insurance With Lupus?

  1. 37376 POINTS
    David G. Pipes, CLU®, RICP®
    Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
    The rate that a company charges for a given age is determined by the mortality rate for that particular group.  This group then is considered “normal” or “standard.”  The underwriter is the person at the insurance company that determines if the particular risk, you, are standard.  If your particular case is considered different than a standard risk, you might be offered “rated” insurance.  This rating might be inconsequential, or it might be severe.  In any case it uses available medical information and statistics to assign an appropriate rate.  There are companies that will accept Lupus.  You might have to contact a few to determine the best possible offer but by all means get into the process.  Not having the insurance is a great deal more expensive.
    Answered on March 7, 2014
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  2. 63333 POINTS
    Peggy Mace
    Most of the U.S.
    Yes, you can get life insurance with lupus, although the rates will vary a lot depending on the type of lupus you have, and severity of your symptoms. Systemic Lupus Erythematosus is the most common, yet the most serious, because it can affect internal organs. However, if SLE is very mild, it can qualify for rates as good as standard or low table ratings. Advanced lupus that is affecting bodily function will probably not be approved for a medically underwritten life insurance policy, but there are simplified and guaranteed issue policies that you may still be able to purchase.
    Answered on March 8, 2014
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