Lupus life insurance coverage

Life Insurance Coverage with Lupus

If you have been diagnosed with the disease and currently being treated you can get lupus life insurance coverage. Because lupus is a high underwriting risk to most insurance companies you may qualify for a graded modified or guaranteed acceptance policy. Some life insurance companies will just outright deny you coverage. You may pay a slightly higher rate for life insurance policy but you will have the peace of mind knowing that you have coverage that will protect your family.

Purchasing life insurance with the disease can be more challenging than someone who is in good health. However, that does not mean that with lupus you have to go without coverage. The difficulty for the insurance company is due to the increased risks associated with the disease. If you are applying for a fully underwritten life insurance policy often times you may not get approved for the best rating class or the lowest premium.

If you are seeking life insurance coverage with having Lupus we can help. Some life insurance companies may not provide coverage due to their underwriting risk assessment. However our A+ Rated life insurance carriers will provide you with coverage at great rates – With No Medical Exam.

There are 2 types of Lupus – Discoid Lupus and Systematic Lupus.

Discoid Lupus

Discoid Lupus is a chronic skin condition. The disease cause thick, red, scaly rashes on the face, neck, and scalp. After the rash goes away it can leave scarring and can cause hair loss in the scalp area. The symptoms can go away for a long time but then return. About 10 percent of people with Discoid lupus may progresses to systemic lupus. The rash of discoid lupus may last for a few days or a few years. Discoid lupus is much more common in women than men and usually occurs between the ages of 20 and 45.

Systematic Lupus

Systematic Lupus is an an autoimmune disease in which the immune system attacks thinking something foreign is invading the body. Common symptoms may include painful joints, rash, fever, hair loss, loss of circulation, ulcers and extreme fatigue. Systematic Lupus can affect almost any part of the body. Symptoms of systemic lupus can be mild or severe and tend to come and go over time. This type of lupus is more common in women in their child-bearing years.

Lupus life insurance

Statistics On Lupus

About 5 million Americans suffer from lupus.
Approximately 16,000 Americans develop lupus each year.
Discoid lupus accounts for as much as 10% of Lupus cases.
More common with African Americans – 3 times more likely to be affected by lupus.
80% of those with lupus develop it between the ages of 15-45.
Approximately 90% of those with lupus are women.

Get an affordable Whole Life Insurance Plan with Lupus. Easy Phone Application and Quick Approval. Call 678-468-5163.

You Can Get Life Insurance Coverage
If you have Lupus

Lupus Impact On Your Life Insurance Policy Application

When applying for a fully underwritten life insurance policy with lupus, the insurance company will require that you do a medical exam. During this exam, you will be asked questions about your family history, medical history, lifestyle, and smoking and alcohol usage. The doctor administering the exam will measure your height, weight, pulse and blood pressure. The insurance company will also review your medical history and physician checkups to see how you have been managing your lupus disease. They will also review any other medical condition that you have been diagnosed with and treated for within a recent time period. Keep in mind that with our Simplified Issue Whole Life Policies there is NO MEDICAL EXAM REQUIRED to qualify. Only Health Questions on the application.

Getting Life Insurance With lupus

With today’s high medical cost, any money saved will help in reducing your over all monthly expenses in managing your Lupus health condition. When applying for a life insurance policy with any of our carriers, keep in mind that you will not have to submit to a doctor’s medical examination and in some cases will not need to submit any information about your health condition. There are also things you can do to help getting affordable coverage, like doing your best to stay healthy and avoid smoking.

We do our best in getting you the lowest cost coverage for your condition with lupus. By working with an agent who specializes in high risk life insurance, you will increase your chances of finding the most affordable coverage at the best rate. Your agent will know about the insurance companies underwriting criteria and requirements for life insurance coverage with Lupus. Some of our Policies for lupus Require No Health Questions And No Medical Exam

If you have been diagnosed with Lupus and need life insurance, one of the most important steps you can take toward getting coverage is to work with a life insurance agent who specializes in obtaining life insurance coverage for people with that condition. If you only qualify for a guaranteed issue life insurance policy the good thing is you will not have to worry about being rejected due to your health.

If you have already requested your whole life insurance quote, our agents will call you back soon as possible to discuss your condition and give you a free no obligation quote on your whole life insurance policy.

* Up to $25,000 in Immediate Death Benefit for seniors.

* Get more than $25,000 if you qualify. Call Direct 800-308-9840

* Low Cost Whole Life Insurance final expense policy.

* Your Low Monthly Premium will never increase.

* Face value benefit amount will never decrease.

* No Medical Exam for you to qualify for coverage.

* Senior Care Plan will never cancel because of age.

* Life Insurance Policy Builds Cash Value and loan value for borrowing.

* Coverage last your whole life and will never change.

* Seniors Up To Age 85 Qualifies for coverage.

Licensed Life Insurance Agents. Call 800-308-9840

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Appointments: Mutual Of Omaha, AIG, Gerber, American National, Cigna.

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