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 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 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.
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.