Life Insurance for Someone with Lupus

Lupus and life insurance

Lupus
life insurance for someone lupus

Getting the most favorable rate on life insurance for someone with Lupus may take some ‘shopping’ around. Life insurance companies can make diverse offers on the same case.

Types of Lupus:

Discoid lupus is a limited disease with superficial skin involvement only. It has no systemic features, although a small number of cases have been known to develop into systemic lupus.

Systemic Lupus Erythematous (SLE) is a chronic, autoimmune disease that can damage any part of the body. The immune system actually attacks tissues or organs.

Mortality concerns:

Formerly, people died at younger ages due to kidney failure. Today, however, a majority of lupus patients can live an average life span. In Systemic Lupus Erythematous the risk of life-threatening complications is greatest in the first five years from onset. Various organs can be affected by SLE:

  • inflammation of kidney tissue can cause organ failure
  • heart muscles inflammation could lead to a heart attack
  • anemia or blood clots can develop
  • SLE can also affect the brain, lungs, and digestive system

Life Insurance Rates

What would someone expect to pay if they had lupus. The rating for Systemic Lupus Erythematous depends upon the severity of the disease, type of treatment, and length of time since diagnosis.

Female 40 Non Smoker with Lupus $250k 30 year Level Term

SeverityRate UpAnnual Premium
mild50%$615
moderate100%$800

 

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