Life Insurance for Lupus
Over 100 Carriers to Quote From. Here are a few of them!
At Diversified Insurance Brokers, we help clients with lupus secure affordable life insurance coverage from our network of over 100 top-rated carriers. With decades of underwriting expertise, we know which companies are most likely to approve your application, how to present your medical history, and how to find the most competitive rates possible.
Life Insurance with Lupus
If you’re living with lupus, it doesn’t mean you’re uninsurable.
At Diversified Insurance Brokers, we specialize in helping clients with autoimmune conditions secure personalized, affordable coverage.
Speak with an expert who understands life insurance considerations for autoimmune conditions like lupus.
How Lupus Affects Life Insurance
- Type of Lupus: Systemic lupus erythematosus (SLE) generally faces stricter underwriting than cutaneous or drug-induced lupus.
- Severity & Activity: Carriers consider whether symptoms are mild, moderate, or severe and if the condition is currently active or in remission.
- Treatment History: Medication use, flare frequency, and hospitalization history impact eligibility and rates.
- Related Complications: Kidney involvement, cardiovascular disease, or organ damage may affect policy options.
Who This Coverage Is Best For
- Applicants with mild or well-controlled lupus.
- Those in remission for an extended period.
- Individuals with stable treatment and no recent hospitalizations.
- Applicants previously declined by other insurers.
What Improves Approval Chances
- Specialist follow-up records showing stability.
- Consistent treatment adherence and lab monitoring.
- No recent flare-ups or hospital stays.
Typical Outcomes We See
- Mild lupus in remission: Possible standard or slightly substandard rates.
- Moderate lupus with stable history: May qualify for coverage with a higher rating.
- Severe or active lupus: Coverage is possible, but will require specialized underwriting assesments and techniques.
Why Work With Diversified Insurance Brokers
- Access to 100+ carriers: We know which companies are most flexible with lupus cases.
- Expert underwriting strategies: We present your health history in the most favorable light.
- Confidential process: Your privacy is always protected.
Example Case
A 40-year-old woman with lupus in remission for 5 years, no organ involvement, and regular rheumatology follow-ups secured a $300,000 20-year term policy at a standard rate after being declined by two other insurers.
Get started today: Submit your lupus life insurance request.
FAQs: Life Insurance for Lupus
Can I get life insurance if I have lupus?
Yes—living with lupus doesn’t automatically disqualify you. Many people are able to secure life insurance depending on the type, severity, and how well the condition is managed.
How does the type of lupus affect underwriting?
Systemic lupus erythematosus (SLE) usually faces stricter underwriting than cutaneous or drug-induced lupus. Underwriters look at whether lupus is active or in remission, flare history, and how well symptoms are managed.
What complications do insurers watch for?
Complications like kidney involvement, cardiovascular disease, or organ damage significantly affect underwriting. The presence of these issues often requires more detailed documentation and may lead to higher premiums.
What improves my approval chances?
Having specialist follow-ups with stable lab results, consistent treatment, periods of remission, no recent hospitalizations or flare-ups, and minimal organ involvement will help your application.
What rating or pricing outcomes are typical?
Mild lupus in remission might qualify for standard or slightly substandard rates. Cases with moderate severity but stable history may also get coverage with higher rating. Severe or active lupus cases often require specialized underwriting and may face higher premiums.
Who tends to get the best results among lupus applicants?
Applicants whose lupus is well controlled, labs are stable, no serious complications, long periods in remission, consistent treatment, and strong medical documentation tend to receive the most favorable offers.
Why work with Diversified Insurance Brokers for lupus cases?
We have access to 100+ carriers, understand which ones are more flexible with lupus, and know how to present your medical history to improve underwriting outcomes and competitive rates.
Diversified Insurance Brokers specializes in helping high-risk applicants secure coverage, even after serious health conditions.
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