Finding an affordable life insurance policy with Systemic Lupus Erythematosus can be quite a challenge.
The good news is there is hope. Indeed, we help individuals of all ages and all sorts of medical conditions at High Risk Life Insurance Agency.
Our 2 Minute Promise
Stick with us for two minutes, and you’ll have two important questions answered:
1. Can you qualify for life insurance with Systemic Lupus Erythematosus? And if so…
2. How much will it cost?
But you’ll need to apply with a life insurance company that is accustomed to impaired risk cases, not an auto insurance company that just happens to also offer life insurance.
Best Case Scenario – If lupus is detected early, symptoms are controlled and complications or further damage to organs affected such as the liver and kidneys are prevented, most cases have a “Medium Substandard” rating. Click here for quote at “Medium Substandard”.
Severe Case – With recent flare symptoms and uncontrolled complications of SLE like severe anemia or inflammations of the heart muscles, however, the best approval you may obtain is at a “Severe Substandard” rating and for extremely severe cases a decline. Click here for a quote at “Severe Substandard”.
For a severe case you may have difficulty qualifying for traditional coverage, but could be eligible for a graded death benefit policy.
Common Questions to Assess Rating Class
If you’re unsure which of the above health classes to quote yourself at (Medium Substandard or Severe Substandard), please see the questions below:
1. How many years since you were diagnosed with SLE?
SLE is a non-preventable condition, but the symptoms and complications can be managed. Longevity of the condition, however, increases the probability of complications.
2. Have you experienced any symptoms within the last six months?
Symptoms or flare signs such as pain, abdominal discomfort, fever, rash, dizziness, headache or marked fatigue. These symptoms are warning signals of an SLE flare attack, which may cause a “Severe Substandard” rating or even a decline.
3. Do you take medication?
The need for medications for heart conditions, kidney symptoms, lung complaints, liver disorders, cancer, infection or bone problems like osteoporosis may mean that complications of SLE are already present. This could mean a “Severe Substandard” rating or a decline depending on the severity of complications.
4. Do you have regular check-ups with your immunologist?
Regular visits to your doctor mean that your condition is controlled and life insurance companies see this as a good sign.
5. Have you had any relevant diagnostic tests in the past 12 months?
Recent laboratory and diagnostic tests are the best way to assess your actual condition. This may also confirm your compliance with your physician’s management.
If you don’t seem to fit into one of the ratings above, I recommend requesting life insurance quotes from “Medium Substandard” to “Severe Substandard” so you understand the range of possibilities.
Using the Instant Life Insurance Quote form on the right, select the rating class that best suits you based on your answers to the questions above, as well as complete the amount and type of coverage needed.
An estimate will appear on the next page.
If we can help you with a quote or to apply for coverage, call us at 877-443-9467.
Overview of Systemic Lupus Erythematosus
Systemic Lupus Erythematosus is an autoimmune disorder that has the capacity to affect major organs in the body like the heart, kidneys, skin, lung, joints, liver, blood vessels and central nervous system.
As it is true with other autoimmune conditions, a huge amount of antibodies attack the body’s normal cells and tissues, which can result in common inflammation or severe organ tissue damage.
Signs and complications of SLE may range from mild to severe symptoms and largely depend on management of attacks and prevention of damage to above mentioned organs.
Related Keywords: autoimmune disorder, hypersensitivity reaction, SLE, lupus