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Life insurance is the most important purchase that you’ll ever make for your family. It’s vital that they have the protection that they need, but it you have a pre-existing health condition, like lupus, finding a quality affordable life insurance policy can be difficult and seem impossible.
There are a lot of people with lupus that have been told, or they assume, that they can’t get life insurance because of their condition, but that isn’t true. We have helped you find an insurance policy to fit your needs.
We work with dozens of applicants every day that have been diagnosed, and we have experience with different insurance companies that insure lupus patients at an affordable rate. We can help you find the perfect company and walk you through the application process to ensure that you’re getting quality protection for your loved ones.
Before we discuss the life insurance options for anyone with lupus, we will explain the condition itself. Lupus is an autoimmune disease that can damage any part of the body. With lupus, the body’s autoimmune system is not able to tell the difference between antigens and normal tissue, which leads to the body destroy healthy tissue in the body. Depending on the severity of the condition, it can lead to severe damage to joints, skin, kidney, lungs, heart, and it can also cause painful swelling.
There are five different types of lupus: Systemic lupus erythematosus, discoid lupus erythematosus, subacute cutaneous lupus erythematosus, drug-induced lupus, and neonatal lupus. The two most common types of lupus are systemic lupus and discoid lupus.
Systemic lupus typically has symptoms that are very similar to arthritis, pain and swelling around your joints. With systemic, most patients also experience tiredness and just general discomfort.
Discoid lupus has different symptoms and usually impacts the skin. This can manifest itself in sores and inflammation in different areas of the body. This type of lupus typically does not cause detrimental harm.
Patients with lupus tend to see symptoms in their teen years all the way to 30s. With lupus, patients will not always see any symptoms during remission, but then will experience worsening symptoms during flare-ups.
There are several early symptoms of lupus that you should be aware of, like tiredness, rashes, fever, headaches, confusion, chest pain, swollen glands and much more. Each person is different, and the condition can manifest itself in different ways with everyone. Some people might notice all of the minor symptoms, while others may only have a few of the other symptoms.
These are just a few of the common symptoms that lupus patients experience with the disease. As you can see, a lot of these are common symptoms of much smaller problems. If you’re experiencing several of these complications, you should schedule an appointment with your doctor.
There is no solid number on how many people are diagnosed with lupus, but some estimates put the number as high as 1.5 million people in the United States. While scientists may not know exactly how many people are diagnosed with the disease, they do know some of the risk factors for developing the condition. The biggest risk factor is gender. Women have a much higher risk of being diagnosed with the disease after puberty (there is no gender difference before puberty). In fact, more than 90% of the people that have been diagnosed with lupus are women.
Another important risk factor to note is age. The majority of people that first experience lupus symptoms are between eh ages of 15-45. The people that are diagnosed with the condition after those ages tend to report first experiencing symptoms in their teenage years.
There is also a racial disparity with lupus. Inside of the United States, Native Americans, Hispanics, African-Americans, and Pacific Islanders are all more likely to develop the disease versus Caucasian Americans. These races are not only more likely to develop the disease, but they are also more likely to have more severe side effects.
If anyone in your family is diagnosed with lupus, you’ll also have a much higher risk of being diagnosed with it as well. Most studies suggest that if a relative has the condition, you have a 6% increased risk than someone without a relative with the disease. It’s important to understand your family’s medical history to determine if you’re at a higher risk for lupus or any other chronic condition that you cause severe complications.
Diagnosis lupus can take several trips to the doctor and requires excellent communication between the patient and the doctor. To help in diagnosing lupus, the physician will need accurate medical history records and a recent physical exam. To ensure that the diagnosis is lupus, the physician may have a skin or kidney biopsy completed, as well as several blood tests. One of the most common tests used to diagnose the disease is an antinuclear antibody test, which looks to identify any autoantibodies that react against nucleus of the body’s cells.
Unlike other conditions, lupus is going to look different in each person, which means that treatments are going to vary for each person as well. There are dozens of different treatment options, and it can take a while for a doctor to find the perfect treatment for a patient.
Your doctor or rheumatologist will work with you to create a plan to manage lupus and minimize the impact of lupus on your life. This will be through a variety of drugs to lower the amount of inflammation, decrease over activity in your immune system, treat any flares (as well as prevent them) reduce any pain in your joints, and avoid any damage to your organs.
If your primary doctor diagnosis you with lupus, you’ll be referred to specialists depending on the severity of the condition and the damage that it has caused at that point. Because lupus can impact various parts of your body, your doctor will decide which specialists will be included in your treatment plan.
Now that you understand the condition, we can discuss the options that you have for getting life insurance with lupus. If you’ve ever been turned down for an insurance policy, or you’ve been told that you can’t get insurance coverage because of your condition, don’t believe it. There are several options for affordable life insurance policy, even for applicants with lupus.
When you apply for a life insurance policy, the company is going to want to judge your health and see how much risk you are for insuring. There are dozens of different factors that they are going to look at. The first, and most obvious factor, is your lupus diagnosis. They are going to want to know which type of lupus that you’re diagnosed with, when it was diagnosed, how it is treated, when your last flare was, how often you have them, the body parts that are affected by the condition, and any symptoms that you’re experiencing from the condition. All of these questions are going to play a huge role in your chances of getting affordable coverage.
As you can see, there are dozens of factors regarding lupus that the insurance company is going to examine to determine how large of a risk you are to cover through life insurance. The best way to increase your chances of getting affordable coverage is to follow your doctor’s orders closely and manage your lupus every way possible.
When you apply for coverage, the insurance company is going to require you to take a medical exam (unless you choose a no exam policy) and the results from this exam are going to impact how much you pay for your insurance plan. Aside from lupus, the insurance company will also want to know other basic health information like your weight, blood pressure, heart rate, and other simple vitals. The better your results
Finding the right company is critical when looking for life insurance with lupus, it could mean the difference in getting a quality policy, or being denied coverage. Because every company is different, they will all view your condition through a different rating system. Instead of calling dozens of companies yourself, let us do that for you. Our agents know which companies will give you quality insurance at an affordable price.
The type of lupus that you’re diagnosed with is going to have a significant impact on the insurance policy that you can be approved for and how much you’ll pay for it. The less severe the type, and the longer that you’ve been diagnosed with lupus, the better your rates are going to be. If you’re recently diagnosed, the insurance company doesn’t know who the disease is going to impact you or how well you’ll manage the condition.
The best way to get affordable life insurance coverage is by finding a company that works well with lupus patients. Some insurance companies have much more experience working with applicants with lupus. Those companies understand the condition and how it impacts the body because they understand the disease, they view lupus patients more favorably.
There are two main types of life insurance that you can apply for, term life insurance and whole life insurance. Term life insurance policies are the more affordable option, but with whole life insurance, you will never have to reapply for coverage. If you’re looking for the most affordable life insurance coverage, a term will be the best option, but what if your lupus and overall health aren’t good enough to get a term insurance policy?
There are still options for life insurance coverage. You can apply for a guaranteed issue policy. The policies with these policies are more expensive, but you can’t put a price on the peace of mind knowing that your loved ones will be taken care of.
If you were to pass away tomorrow, your family would be left with thousands of dollars in debt. If you don’t have life insurance coverage, you will leave them with all of that debt and no way to pay it off. Life insurance is the best way to ensure that they will have the resources they need to pay off any final expenses and get through the difficult time.
If you have any questions about getting life insurance with lupus, please contact us today, and we can get you the best policy for you.