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Life Insurance with Lupus

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Lupus is a chronic autoimmune disease. It can affect any part of the body including the skin, joints, and organs. The disease is caused by the immune system attacking itself.

There is no cure for lupus. Most people affected with the disease struggle with it for their entire lives. It is treatable, however, and many treatments are highly effective at minimizing symptoms.

Though you’ll need to undergo a medical examination, there’s a good chance you’ll still qualify for life insurance if you’re in otherwise good health.

We recommend targeting those companies who commonly insure high risk clients to get the best rates. We know exactly which companies do this and can help you receive the best coverage possible from them.

Here are the basics you need to know about finding life insurance with lupus.

Buying Life Insurance with Lupus, The Easy Way

Lupus affects roughly 200,000 Americans each year. About 1.5 million Americans in total are currently living with the condition.

According to the Centers for Disease Control and Prevention, lupus has a variety of symptoms. These symptoms tend to flare up and then subside on a regular basis. The most common symptoms include:

  • Pain in the muscles
  • Pain in chest while breathing
  • Joint stiffness
  • Depression
  • Fatigue
  • Anemia
  • Fever
  • Weight loss
  • Dry mouth
  • Ulcers in mouth
  • Hair loss
  • Red or scaly rashes

Certain people are at a greater risk for developing lupus. For example, 9 in 10 lupus patients are women. The disease is also most common in African-Americans, Hispanics, and Asians. People are usually diagnosed with it between the ages of 15 and 40.

Though there currently isn’t a cure for lupus, numerous treatments help minimize symptoms and improve quality of life. The most effective is taking medications (anti-inflammatories and steroids) as prescribed by your doctor. Changing your lifestyle (sun protection and healthy diet) help as well.

Seeking the best treatment and dedicating yourself to a healthy lifestyle are essential to finding affordable life insurance coverage with lupus. The better managed your condition, the higher your chances of receiving traditional coverage.

Our Application Process

First things first, start the life insurance application process by narrowing down your search to those companies who insure high risk clients.

We can help you connect with the top companies willing to insure those with lupus. As long as you’re in otherwise good health, there’s a very good chance you’ll qualify for traditional coverage.

A medical exam is a necessary aspect of applying for traditional life insurance. The exam looks at your lupus as well as your overall health. The goal of the exam is to help assess your overall risk to the life insurance company.

A number of questions will be asked by an underwriter to assess your rating class. The answers to these questions determines how much you’ll pay for coverage. Be prepared to answer questions about the following subjects:

Overall Health – How is your overall health? Good health, aside from your lupus, is a must to receive the best rates. You’ll be required to take a medical exam which assesses your health if you want traditional life insurance coverage.

Diet, Exercise, Lifestyle – How healthy is your overall lifestyle? An underwriter looks at your diet and how much you exercise to assess your lifestyle. Another big factor they consider is smoking. Smokers can still qualify for traditional coverage but it’s often 2 to 3 times more expensive than for non-smokers.

Date of Diagnosis – When were you diagnosed with lupus? An underwriter wants to see your condition has been successfully treated and managed for some time.

Condition History – What are your symptoms like? How often do you experience flare ups? When was the last time you experienced symptoms of lupus?

Treatments – What treatments are you using to manage lupus? A successful regime of medications is a must.

Doctor Visits – Your underwriter wants to see you visit your doctor on a regular basis. This ensures you’re getting the best care possible and tracking the severity of your lupus over time.

Be sure to only look at companies who actually ask these questions. Those who ask them understand lupus and how it affects your overall health better than the rest.

Common Results You Might Expect

The vast majority of those with lupus will qualify for traditional coverage. However, there’s no telling exactly what type of life insurance you’ll receive without knowing the specifics of your situation.

The best case scenario for life insurance with either kind of lupus is a Medium Sub-Standard rating. You don’t have a very good chance of qualifying for anything better.

A Medium Sub-Standard rating requires your lupus was detected early. Your symptoms must be controlled and you must be free of complications. Good overall health and a lifestyle tailored to managing your lupus symptoms are also essential.

Those with more serious forms of lupus should still be able to qualify for a Severe Sub-Standard rating. This is also the rating those with complications will likely qualify for.

Some of those with more serious lupus symptoms or complications won’t qualify for traditional coverage.

Fortunately, there are a wide variety of life insurance alternatives to look into. We can help you apply for a graded death benefit policy if you’re not accepted by a traditional life insurance provider.

Keep in mind you can reapply for life insurance on a regular basis. If you show your condition improved, you can sometimes qualify for coverage you were initially denied from.

What to Do Next

Preparation is key to receiving the best life insurance rates with lupus. Start by researching those companies who are most likely to insure high risk clients.

We can help you narrow down your research and help you apply. Working with an experienced life insurance agent is the key to improving your chances of qualifying for traditional life insurance coverage.

In short, don’t hesitate to apply for life insurance if you have lupus. It might be more difficult to find than with some other diseases and disorders, but it can be done. There is most likely an insurance provider out there willing to insure you.



Jason Fisher

Jason Fisher is the founder and CEO of, LLC. and a multi-state licensed life insurance agent who has helped over a million Americans seek out affordable coverage, compare quotes, or get their family and businesses covered.

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