Life insurance with Lupus

Being diagnosed with lupus can change the way you view your health and your life. It’s a dire diagnosis to receive.

After you’ve been diagnosed with a serious health problem, like lupus, you will probably start thinking about life insurance and the protection your family will need.

There are several different types to choose between and thousands of companies that you have to compare if you want to find the best policy to fit your needs.

If you have any health complications or are in poor health, it can be even more difficult to get the best insurance, especially if it’s a condition as severe as Lupus. As an applicant with lupus, you may have heard stories of people being declined

Maybe you’re wondering if you can qualify for life insurance with diabetes or life insurance for overweight people. Let us answer what questions you may have.

If you’re looking for life insurance coverage, it won’t be easy, but that’s why we are here. This article is going to arm you with the info you need.

If you have been rejected for coverage before, or you assume that you won’t be able to afford an insurance plan, don’t lose hope. There are several affordable life insurance options that you can get approved for. We’ll share with you the kind of life insurance offers you can expect with Lupus and what we need to know to find you the best rates available.

We can find affordable life insurance with Lupus.  In most cases, they were previously declined or paying too much.

We have extensive experience in underwriting life insurance with lupus and will share with you what you can expect below.

Lupus Information We Need From You

Most people with Lupus are paying too much or are unnecessarily declined because their agent wasn’t experienced in underwriting the risk.  We have the experience to find you the best rates, but we’ll need detailed information, including:

  • Date of diagnosis
  • Type of Lupus (Systemic or Discoid?)
  • Which organs/tissues have been involved? (skin, kidneys, central nervous system?)
  • Has the condition disappeared completely? (if yes, date of last required treatment?)
  • If the condition has ever disappeared, has it relapsed? (if yes, we need dates and details)
  • What medications are you taking?  (NSAIDs, Antimalarials, Steroids, Immunosuppressives?)
  • Any other underlying health concerns?

If you’ve worked with an agent in the past, but they didn’t answer these questions, then you didn’t get the best results possible. This is necessary information to secure you the best life insurance possible with your Lupus.

Let’s get into what you can expect now.

We’ve divided our results between Systemic Lupus and Discoid Lupus.  If at any point, you have any questions, please feel free to call us or use our quote form. Don’t get bogged down with all of the insurance jargon.

Life Insurance Ratings with Systemic Lupus

Life insurance rates with Systemic Lupus will vary depending on the level of organ involvement, time since diagnosis and the response to treatment over the years.

–  Preferred is not available for Systemic Lupus
– Age at onset under 20 years old = decline
– Age onset 20 and over:
–  Diagnosed in the last 12 months = postpone
–  Diagnosed 1-3 years ago – Table 8 range
–  Diagnosed 3-4 years ago – Table 6 range
–  Diagnosed 4-5 years ago – Table 4 range
–  Diagnosed 5+ years ago – Standard (rare) or Table 2 rating
–  Additional rating information:
–  If age onset is over 60, subtract 2 tables
–  If treated with higher dose steroid, then add 2 tables
–  On disability – Decline
–  Serious symptoms such as lung, cardiovascular, kidney or CNS involvement – Decline

The best case scenario with Systemic Lupus is if no current treatment is needed.  If you haven’t received any treatment in over 5 years, you can qualify for Standard or Standard Plus rates!  If you quit treatment 3-5 years ago, Standard is possible, but most likely a Table 2.  If you ceased treatment 6 months – 3 years ago, you’re looking at a table 4.

Life Insurance Ratings With Discoid Lupus

If systemic Lupus has been ruled out, Discoid Lupus with no complication can get standard life insurance rates.  Here are some guidelines:

–  Preferred is not available
–  Best case with no oral steroids and favorable lab results will be Standard – Standard Plus.  However a recent diagnosis will be a Table 2.
–  Low dose oral steroids (<15mg per day) – add 1 table
–  High dose oral steroids (15mg or more per pad) = decline

Life Insurance with Lupus Case Studies

Let’s take a look at real cases from some of our clients.

Case Study #1

Age 40, non-smoker
5’6 137 lbs
Diagnosed with Systemic Lupus at age 33
No organ involvement
Symptoms include malar rash and mild arthritic pain
She takes NSAIDS only (no steroid use)
No disability or evidence of depression
Best Offers: Table 2 with Banner, Protective, Axa and a few other companies were the best Bad Offers:  Table 4-6 with Prudential, American General and others.

Case Study #2

Age 69, non-smoker
5’8 139
Diagnosed with Systemic Lupus 20 years ago
Mild symptoms only
Take intermittent low dose steroid
Best Offers: Table 2-3 with Prudential and a few other carriers
Bad Offers:  Table 8 with Axa, Banner, Nationwide

Can you see how Banner and Axa were the best rates for case study #1, but the worst rates for case study #2?  In this case it’s because of the steroid use, but how is a life insurance agent supposed to know that?  Only a high risk life insurance specialist would know the ins and outs of underwriting these policies.

The lesson here is that every life insurance carrier will view your Lupus differently.  Some more favorably than others.  You need to find an expert who is familiar with your risk. Finding the right life insurance company could be the difference between getting an affordable policy or getting denied coverage.

The life insurance agent/agency you choose is ultimately responsible for securing you the best rates available.  Make sure you’re working with someone experienced with your risk.

If you think you’re paying too much for your life insurance or have been declined, our team at wants to help you. Remember, we work on behalf of YOU and not the insurance carriers.

Want Cheaper Life Insurance?

Here are some ways that you can secure lower insurance rates for your life insurance plan. One of those is to improve your health in several different ways, and one of those is to start getting regular exercise and sticking to a healthy diet. Both of these are going to help you receive better results from the medical exam, which will translate into lower monthly premiums.

For example, smokers are going to pay much more for their insurance than a non-smoker is going to pay. Anyone who uses tobacco is going to pay 2x what a person who doesn’t is going to pay.

Another simple change that you can make is cutting out any heavy drinking that you do. Not only will a lot of alcohol cause you to gain weight, but it’s going to harm your overall health, which is going to translate into higher insurance premiums. There is nothing wrong with having a couple drinks every week, but make sure that you’re not having any negative impacts on your health.

Another way to get the best rates is to work with an independent insurance agent. Unlike traditional insurance agents,we represent 60 carriers across the United States and can help you compare several companies all at once. Additionally, we also know what companies are going to view your condition favorably.


Now you have all the information you need to get an affordable insurance plan. Your next step is to go ahead and give us a call. We want to make the process as simple and stress-free as possible. After you call us, we do the shopping for you. All you have to do is answer a few simple questions. It couldn’t be easier.

About Jeff Root

is the owner of He's an independent life insurance agent who has helped 1,000's of consumers purchase life insurance online and over the phone.

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