Life Insurance With Lupus What Are Your Options?

Elaine Brookes Steve Case

Author: Steve Case - Insurance Expert

Reviewed & Fact Checked By: Elaine Brookes

Updated: 8th December 2023

life insurance with lupus

Are you living with lupus and worrying about how it affects your chances of getting life insurance?

You’re not alone in your concerns. Lupus is a chronic autoimmune disease that presents unique challenges when securing life insurance. But fear not. With the right knowledge and guidance, you can still find suitable coverage to protect your loved ones and ensure their financial security.

In this comprehensive life insurance with Lupus guide, we’ll explore the ins and outs of lupus life insurance, focusing on the UK market, and help you understand your options.

You’ll gain valuable insights into the types of policies available, factors affecting premiums, and how to improve your chances of getting approved.

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The Challenges of Obtaining Life Insurance with Lupus

Common Misconceptions About Lupus and Life Insurance

Many people with lupus often assume that life insurance is out of reach. While it’s true that obtaining coverage can be more challenging, it’s by no means impossible.

Let’s bust some myths:

  • Myth 1: Lupus automatically disqualifies you from getting life insurance. ❌
  • Myth 2: Lupus patients can only get limited coverage. ❌
  • Myth 3: Premiums for lupus patients are always sky-high. ❌

By educating yourself and working with the right professionals, you can secure a policy that meets your needs and budget.

How Lupus Affects Life Insurance Eligibility

Life insurance companies assess applicants based on risk, and living with lupus can increase that risk.

However, insurers take various factors into account, such as:

  • The severity of the symptoms
  • Duration since diagnosis
  • Stability of your condition
  • Overall health and lifestyle

Understanding how these factors affect your eligibility will empower you to make informed decisions when choosing a policy.

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Types of Life Insurance Policies

There are several types of life insurance policies available in the UK. Let’s explore the main five options:

Level Term Life Insurance

This policy offers coverage for a fixed period, typically 10-30 years. The premiums and the payout amount remain constant throughout the term. It’s a popular choice for covering large debts, like a mortgage or providing financial security for your family.

Decreasing Term Life Insurance

Similar to level term, decreasing term life insurance offers coverage for a fixed period. However, the payout amount decreases over time, making it a suitable option for covering a repayment mortgage or a diminishing debt. Premiums typically remain constant.

Over 50s Life Insurance

Designed specifically for individuals over 50, this policy offers guaranteed acceptance with no medical questions asked. Payout amounts are typically smaller, making it a good option for covering funeral expenses or leaving a modest inheritance.

Whole of Life Insurance

Whole of life insurance offers lifetime coverage with no fixed term. As long as you pay your premiums, the policy remains active, guaranteeing a payout upon your death. It’s a popular choice for estate planning or providing long-term financial security for your loved ones.

Income Protection

An income protection policy provides a monthly income if you can’t work due to illness or injury, including lupus flare-ups. It’s a valuable safety net that can help cover your living expenses and financial commitments while you focus on recovery.

Lupus Statistics UK

PrevalenceApprox. 1 in 1,000 people in the UK are affected by lupus.
Gender DistributionLupus is more common in women, affecting 9 times more women than men.
Age of OnsetLupus can occur at any age but is most commonly diagnosed between 15 and 45.
Ethnicity DistributionLupus is more prevalent in people of African, Caribbean, and Asian descent.
Types of Lupus4 main types: Systemic Lupus Erythematosus (SLE), Discoid Lupus Erythematosus (DLE), Drug-Induced Lupus (DIL), and Neonatal Lupus.
Annual Diagnosis RateApprox. 5,000 people are newly diagnosed with lupus in the UK each year.

Factors That Influence Life Insurance Premiums for Lupus Patients

🩺The Severity of Lupus Symptoms

The more severe your lupus symptoms, the higher the risk you pose to insurers. Mild symptoms, well-managed with medication, typically result in lower premiums than severe symptoms requiring frequent medical attention.

⏰The Duration Since Diagnosis

The longer you’ve lived with lupus, the better your chances of securing affordable coverage. Insurers prefer applicants who have a track record of managing their condition effectively, as it demonstrates stability and lower risk.

🌡️The Stability of Your Condition

You will likely secure more favourable rates if your lupus is well-controlled and stable. Insurers appreciate applicants who care for their health, adhere to their treatment plans, and regularly consult with their medical team.

🍎Other Health Factors

Your overall health, including any other pre-existing conditions, will impact your premiums. Maintaining a healthy lifestyle, such as exercising regularly, eating well, and avoiding smoking, will work in your favour when seeking coverage.

Tips for Lupus Patients Seeking Life Insurance

Be Honest About Your Condition

It’s crucial to be upfront about your lupus diagnosis when applying for life insurance. Omitting or providing false information can lead to policy denial or cancellation, leaving your loved ones without financial protection.

Gather Supporting Medical Documentation

A comprehensive medical record can help expedite the application process and demonstrate your commitment to managing your condition. Include details about your diagnosis, treatment plan, and recent test results.

Work with an Experienced Insurance Agent

Navigating the life insurance landscape can be challenging, especially for lupus patients. Collaborate with an insurance agent, such as Insurance Hero, with experience working with individuals with chronic health conditions to help you find the best policy for your needs.

Be Prepared to Shop Around

Don’t settle for the first quote you receive. Shop around and compare different policies and providers to find the best coverage at the most competitive price. Take your time and make an informed decision.

Why Should I Apply Through A Specialist Broker?

ExpertiseSpecialist brokers have in-depth knowledge of the life insurance market and can better understand your unique needs as a lupus patient.
Tailored SolutionsThey can help you find tailored policies that cater to your condition, ensuring adequate coverage.
Time and Effort SavingsApplying through a specialist broker like Insurance Hero can save you time and effort researching and comparing policies.
Access to Exclusive PoliciesThey often have access to exclusive policies and deals that may not be available to the general public.
Negotiation SkillsA specialist broker can negotiate on your behalf, potentially securing more favourable rates and terms for your life insurance policy.
Ongoing SupportThey can provide ongoing support and advice throughout the life of your policy, ensuring you have the best possible coverage.

How to Improve Your Chances of Getting Approved for Life Insurance

💪Maintain a Healthy Lifestyle

Adopting healthy habits, such as exercising regularly, eating a balanced diet, and managing stress, will help keep your lupus under control and improve your overall health. These factors can positively impact your life insurance application.

💊Manage Your Lupus Effectively

Following your doctor’s advice and adhering to your treatment plan are essential for controlling lupus. Demonstrating effective disease management can significantly improve your chances of getting approved for life insurance.

🧪Stay Up-to-date on Lupus Treatments and Research

New treatments and breakthroughs in lupus research are continually emerging. Staying informed about the latest developments can help you manage your condition more effectively and may even open up new options for life insurance coverage.

Group Life Insurance Options for Lupus Patients

Employer-Provided Life Insurance

Some employers in the UK offer group life insurance as part of their employee benefits package. These policies often have less stringent eligibility criteria and may not require medical underwriting, making them an attractive option for lupus patients.

Be sure to inquire about your employer’s life insurance offerings and review the policy details to determine if it meets your needs.

Association-Based Life Insurance

Certain professional associations, trade unions, and membership organisations offer group life insurance policies to their members.

These policies may be more accessible to lupus patients as they typically have relaxed underwriting criteria. Explore your options and evaluate whether joining an association can provide you with the necessary coverage.

Life Insurance Riders for Lupus Patients

🚑Critical Illness Rider

A critical illness rider provides a lump-sum payout if you’re diagnosed with a covered critical illness, such as a heart attack, stroke, or cancer. This additional coverage can help cover medical expenses and lost income, easing the financial burden on you and your family.

🛌Disability Income Rider

This rider offers a monthly income if you become disabled and cannot work, providing financial support during challenging times. Disability income riders can be especially beneficial for lupus patients, who may experience periods of disability due to flare-ups.

Guarantor and No Medical Exam Life Insurance

Understanding Guarantor Life Insurance

Guarantor life insurance allows you to include a guarantor, typically a family member or close friend, who agrees to take financial responsibility for your policy. This can help you secure coverage despite your lupus diagnosis, as the guarantor’s financial standing can help mitigate the perceived risk to the insurer.

No Medical Exam Life Insurance Options

No medical exam life insurance policies, such as over 50s life insurance, can be an attractive option for lupus patients. These policies often require minimal medical underwriting and provide guaranteed acceptance, albeit with lower coverage and premiums.

Life Insurance With Lupus Conclusion

Living with lupus presents unique challenges, but securing life insurance is far from impossible.

By understanding the various policy options available in the UK, managing your condition effectively, and working with experienced professionals, you can find the coverage you need to protect your loved ones and ensure their financial security.

Lupus Life Insurance FAQs

Can I get life insurance if I have lupus?

Yes, lupus patients can get life insurance. However, depending on your condition’s severity and overall health, you may face higher premiums or additional requirements.

How much more expensive will life insurance be for a lupus patient?

The cost of life insurance for lupus patients varies depending on factors such as the severity of symptoms, duration since diagnosis, and overall health.

Premiums can be higher than those for individuals without lupus, but shopping around and comparing policies can help you find the most affordable coverage.

Will my lupus automatically disqualify me from certain types of life insurance?

While lupus may make obtaining some types of life insurance more challenging, it doesn’t automatically disqualify you. Your eligibility will depend on the specific policy and underwriting criteria and how well you manage your condition.

Can my life insurance policy be cancelled if my lupus worsens?

Once you have secured a life insurance policy and paid your premiums, it’s unlikely that your policy will be cancelled if your lupus worsens.

However, disclosing your lupus diagnosis and providing accurate information during the application process is essential to avoid potential issues later.

Do I have to disclose my lupus diagnosis when applying for life insurance?

Yes, disclosing your lupus diagnosis is essential when applying for life insurance. Failing to do so can lead to policy denial, cancellation, or non-payment of benefits. Honesty and accurate information will help you secure the most suitable coverage.