Life Insurance for Sarcoidosis
Over 100 Carriers to Quote From. Here are a few of them!
At Diversified Insurance Brokers, we specialize in helping clients with sarcoidosis obtain the right life insurance coverage from our network of over 100 top-rated carriers. Whether your condition is currently active or in remission, our underwriting expertise allows us to identify the best options for your situation and present your case in the most favorable way possible.
Life Insurance with Sarcoidosis
If you’re living with sarcoidosis, it doesn’t mean you’re uninsurable.
At Diversified Insurance Brokers, we specialize in helping those with complex respiratory and systemic conditions secure affordable, personalized coverage.
Speak with an expert who understands life insurance considerations for sarcoidosis and similar systemic conditions.
How Sarcoidosis Impacts Life Insurance
- Organ Involvement: Sarcoidosis limited to the lungs or skin is generally more insurable than cases involving the heart or nervous system.
- Disease Activity: Applicants in remission or with stable, mild symptoms may qualify for better rates.
- Treatment History: Use of corticosteroids or immunosuppressants is reviewed to assess disease control.
- Recent Hospitalizations: Recent flare-ups or hospital stays may delay approval.
Who This Coverage Is Best For
- Individuals with stable or mild sarcoidosis.
- Applicants previously declined due to autoimmune or lung involvement.
- Those seeking term, whole life, or final expense coverage despite health concerns.
What Improves Approval Chances
- Stable condition for 12+ months.
- Compliance with all medical treatments and follow-ups.
- No recent hospitalizations or major complications.
Typical Outcomes We See
- Mild/Stable Cases: Possible standard or mildly rated traditional coverage.
- Severe/Active Cases: Graded or guaranteed issue coverage.
Why Work With Diversified Insurance Brokers
- Access to 100+ A-rated carriers: Including those with experience covering sarcoidosis cases.
- Specialized underwriting knowledge: We know how to navigate complex cases.
- Confidential process: Your medical details are always protected.
Example Case
A 55-year-old man with pulmonary sarcoidosis in remission for 5 years was approved for a $250,000 20-year term policy at a standard rate—despite being declined by two carriers before contacting us.
Get started today: Submit your sarcoidosis life insurance request.
FAQs: Life Insurance for Sarcoidosis
Can I get life insurance if I have sarcoidosis?
Yes. Many people with sarcoidosis are able to secure coverage, especially when the condition is mild or in remission, and when there is strong medical documentation of stability.
How does organ involvement affect my application?
If sarcoidosis is limited to lungs or skin, applicants generally have better chances and more favorable rates. Involvement of the heart, nervous system, or other major organs usually increases underwriting risk.
Does disease activity or remission impact underwriting?
Yes. Those in remission or with stable mild symptoms tend to receive better offers. Active disease, flare-ups, or recent hospitalizations often lead to higher premiums or more restrictive policy options.
How does treatment history influence approval?
Insurers will look at whether immunosuppressants or corticosteroids are used, dose stability, adherence to treatment, side effects, and whether treatments have brought symptoms under control without complications.
Will recent hospitalizations or complications hurt my chances?
Yes. Recent flare-ups requiring hospitalization, major complications, or unstable periods often raise risk and may cause delays or result in more limited options such as guaranteed issue policies.
Which policy types might be available?
Depending on the stability and severity of sarcoidosis, options include term life, whole life, simplified issue, or final expense coverage. In more severe cases, guaranteed issue or graded benefit policies may be the only viable path.
What improves my chances of approval?
Demonstrating at least 12 months of stable condition, full compliance with treatment and medical follow-ups, no recent hospitalizations, and clear records of disease control all help.
What outcomes can I expect for mild vs severe cases?
Mild/stable cases often can get standard or mildly rated traditional coverage. More severe or active cases may be limited to graded, simplified or guaranteed issue policies, often with higher rates.
Will my premiums be much higher?
It depends on how severe your condition is, which organs are involved, treatment needs, how recent any complications were, and your overall health. More risk generally means higher premiums, though good stability helps moderate them.
How long does underwriting take for someone with sarcoidosis?
It depends on how complete your medical history is. Policies with simpler underwriting may be faster, but fully underwritten cases (requiring specialist records, labs, possibly imaging) may take several weeks.
What if I was declined before because of sarcoidosis?
A previous decline doesn’t remove all options. Different insurers have different tolerance for risk; submitting strong documentation, showing stability, or applying for simpler issue products can help.
