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Lupus

Life Insurance for People with Lupus Using Hydroxychloroquine, Cyclosporine, Azathioprine, etc.

We're Here to Help

Finding a Policy Doesn’t Need to be Difficult
It’s not easy to find an insurance policy when you’re dealing with health issues like Lupus. Many insurance companies decline Lupus coverage, but at our brokerage, we are happy to help and will find you your most affordable option. Instead of trying to find a policy yourself, let us help you narrow your options. We are familiar with many impaired risk life insurance companies, making us well-equipped to find you the best rate possible.

When you receive a diagnosis for a health issue like lupus, it may change the way you see a lot of things. For example, insurance and the protection of yourself and family may suddenly become a priority. However, finding the right life insurance company that will look at your case with leniency can be very difficult. You may have heard that you can’t get a good health classification or that companies may even decline you.

However, life insurance companies all view health conditions differently, and there are numerous factors involved in determining your rating class. We are experienced in gathering pertinent information to help portray your condition in the best light to insurance companies. From there, we are familiar with which companies are more willing to offer better rates to people who other companies may consider “high-risk” applicants.

We have high-risk experts on our team who can help you shop through all your life insurance options to help you find your best rate.

Let's Start with Some Information

We can get started with finding your best option for life insurance with lupus once we receive the following information:

  • Date of diagnosis
  • Type of Lupus (Systemic or Discoid?)
  • Affected organs/tissues? (skin, kidneys, central nervous system?)
  • Has the condition disappeared completely? (date of last required treatment if yes)
  • 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?

Systemic Lupus and Life Insurance

  • Preferred is not available for Systemic Lupus
  •  Age at onset under 20 years old = decline
  • Age onset 20 and over: Diagnosis
    • In the last 12 months = postpone
    • 1-3 years ago – Table 8 range
    • 3-4 years ago – Table 6 range
    • 4-5 years ago – Table 4 range
    • 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

You can qualify for Standard or Standard Plus rates with systemic lupus if you no longer need treatment or if you haven’t received any treatment in over 5 years.

If you quit treatment 3-5 years ago, Standard is possible, but Table 2 is more likely.

If you ceased treatment 6 months–3 years ago, table 4 is the most likely.

Some agents don’t look into the details of your case, so they’re ignoring factors that might increase your chances of getting a good rating classification. On the other hand, we are specialized agents in high-risk insurance. As a brokerage, we are only interested in helping you find your best insurance options. Don’t hesitate to give us a call at 212-484-9888 for some peace of mind in knowing you’re getting the best rate.

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