Getting a life insurance policy is not easy. You will have to complete a lot of requirements to be eligible for a life insurance policy.
One of the ways to make getting a life insurance policy easier is through being healthy and not having any unhealthy habits. But what if you have a chronic health condition?
Like Lupus, for example. Is it still possible for you to apply for a life insurance policy? Or will you get rejected for your application?
Here in this article, we will tell you whether you can still apply for a life insurance policy if you have Lupus or not.
Can You Get Life Insurance If You Have Lupus?
The short answer to that is yes, it is still possible to get approved for a life insurance policy even if you have Lupus. In fact, your chances of getting a life insurance policy with Lupus are pretty good.
Though Lupus is a chronic condition, it is not fatal. This is why having Lupus will not disqualify you from applying for life insurance. Lupus is an autoimmune condition that can damage the skin, joints, and organs alike.
Usually, the immune system produces proteins called antibodies to protect the body from the threats of disease. However, having Lupus means that your immune system cannot differentiate healthy tissues in your body vs threats.
As a result, your immune system attacks the body, causing inflammation, pain, and impairment of body parts. It is not contagious and can be either mild or life-threatening.
It also does not have a cure. However, the symptoms can be treated.
What is the Application Process for Someone With Lupus?
Compared to applying for a life insurance policy while being healthy, doing so with Lupus is more complicated. In the underwriting process of life insurance, your insurer will check if you are young, fit, have medical conditions, future risky activities/hobbies, financial information, and more.
If your life insurance agent learns of your Lupus, expect questions about your condition and your recovery. Some of these questions may be:
- When did you get diagnosed with Lupus?
- What type of Lupus you are diagnosed with?
- What are the symptoms that you experienced?
- How frequently do your symptoms flare up?
- Are you receiving disability benefits because of your Lupus?
- What medications are you currently taking?
- Are you on a treatment plan?
- What is your doctor’s prognosis about your Lupus?
There are four types of Lupus, and these are:
- Systemic Lupus – Systemic Lupus affects the heart, brain, or kidneys
- Neonatal Lupus – Neonatal Lupus affects the fetus and can cause skin rashes, liver issues, or low blood cell counts at childbirth
- Cutaneous Lupus – Cutaneous Lupus affects the skin
- Drug-induced Lupus – Caused by high intake of certain medications
Another part of the underwriting process is undergoing a medical exam. This medical exam also includes urine analysis and blood analysis.
Although applying for life insurance with Lupus is a little more complex, it is still possible. You can still obtain a life insurance policy if you have Lupus, but your premiums will be higher.
