Life Insurance with Lupus

Is Affordable life insurance with lupus available?

Finding affordable life insurance with lupus is available if you know the secret. The secret is to only work with a special risk agent. Special risk agents are experts in finding affordable coverage for individuals with pre-existing medical conditions. These agents will usually have many years of experience working with all kinds of special risks.

Your agent will provide you with the biggest advantage when looking for life insurance with lupus. Much like you look for a physician who specializes in a particular type of surgery such as heart surgery. There are certain agents who know what companies offer the best prices for lupus.

Many times, smaller companies that may not be as well known are more aggressive in certain pre-existing medical conditions and are your best option.

It is important to remember that an independent agent who offers multiple carriers, will  most often have the best access to the companies that specialize in underwriting life insurance with lupus.

Underwriting life insurance with lupus

When underwriting life insurance with lupus it is important for the underwriter to know how to properly evaluate the risk. Underwriters use a rating guide for most life insurance risks. Lupus can sometimes be one of the harder conditions to underwrite. Thus, one carrier may offer a rating class quite a bit differently than another carrier.

This why it is very important that your agent aggressively shop and negotiate with different companies on your behalf. The difference of a few hundred dollars per year can add up over the lifetime of the policy.

Systemic Lupus Erythematosus is an autoimmune disorder. They are 16,000 new cases annually; mostly young women. Some of the typical symptoms and findings include:

  • Facial ” Butterfly” rash
  • Other skin lesions
  • Photosensitive 
  • Oral Ulcers
  • Arthritis
  • Kidney disorder
  • Neurologic disorder (seizures, psychosis)
  • Blood Disorder (low blood count)
  • Immunologic disorder
  • Positive antinuclear antibody
  • arthritis
  • positive blood test for other immune system disorder
  • Pleuritis or pericaridtis

An underwriter will not only consider the diagnosis of lupus but must also consider the secondary symptoms. Typically, the presence of four of the above findings is 96% sensitive and specific for the diagnosis of lupus.

From an underwriting standpoint, the risk of life-threatening complications is greatest in the first 5 years of onset. Thus, someone looking to secure life insurance with lupus can expect a higher cost of coverage during this time period.

Causes of death are typically infections, clotting and cardiovascular complications, cancer, active lupus and lupus damage to various organ systems, and atherosclerosis.

The overall survival rates from the time of diagnosis have been improving and the 10 year survival rate is about 90%.

One note regarding discoid lupus. This is a limited disease with superficial skin involvement. It has no systematic features, although a small number of cases have been known to develop into systemic lupus. This diagnosis typically can be offered on a standard basis or a slight extra rating charge if present within 1st year of diagnosis.

The rating or extra premium charge for systemic lupus erythematosus depends primarily on the severity of the disease, type of treatment, and length of time since diagnosis.

Below you will find a chart and definition of how an individual would typically be rated when looking for life insurance with lupus:

  • Present, current evidence of disease w/minimal progression, over age of 40- Within one year of diagnosis application declined; 2nd to 3rd years table G ( 175% extra premium); 4th to 5th year table E (125% extra premium); after 5 years table C ( 75% extra premium)
  • In Remission, no evidence of disease and no medications, over age 40- Within one year of remission table D (100% extra premium); 2nd to 3rd years table B (50% extra premium); after three years standard ( no extra premium)
  • For age 20 and younger- Declination
  • For ages 21-40 – 50% to 75% extra premium

Here are the questions that an underwriter will need answer in order to evaluate if an application might be acceptable:

  1. Date of first diagnosis?
  2. Type of lupus diagnosed? I.E. Systemic lupus erythematosus, discoid lupus, drug induced SLE
  3. Taking any medications? If yes, need details
  4. Is lupus in remission or currently present?
  5. Have you had any of the following? Low blood counts, lung involvement, high blood pressure, Proteinuria, heart involvement, renal insufficiency, neuroligic disorder
  6. Used tobacco in last 5 years?
  7. Any other major health problems?

In addition to the above questions, your broker will need the amount of coverage, date of birth and plan of protection requested. I.E. Term life or whole life?

Remember, all life insurance companies use the same published rates. But, all life insurance companies look at your health and lifestyle differently when assigning a risk class.

If you are looking for the most affordable life insurance with lupus contact us at 1-888-393-9003 or We are here to help you secure the absolute lowest cost rate of life insurance with lupus.

For a FREE quote

Call, text, email or fill out our instant quote form:

Call: 678-207-8160
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How can I help?

Mike Raines

I am an independent life insurance agent with over 30 years’ experience. I am an expert in finding coverage for those with past or current medical history such as heart disease, diabetes, post cancer, etc. I also specialize in those that participate in scuba diving, mountain climbing, private pilots, etc. I work with the best life insurance companies in the nation, such as Prudential, AIG, Protective Life, Transamerica to name a few. Each carrier has different opinions on rates and underwriting, and it is my job to match you with the best company. To do that, I need to ask you a few questions about your health and lifestyle to qualify you.

For a FREE quote, call, text or email:

Call: 678-207-8160

Text: 678-207-8160


Mailing Address:
3482 Keith Bridge Road Suite #125
Cumming, GA 30041


As someone with a past cancer diagnosis, finding life insurance had been a huge annoyance. Mike made it easy, and somehow found quotes that were significantly more affordable than what others gave me.

- Matthew from St. Louis, MO.

Thank you very much, Mike, for all your help in this long process. I know it wasn’t easy, but I appreciate you not giving up on my application and helping provide peace of mind to me and my family.

- Craig S. from Savannah, Ga.

I could not be happier working with Mike Raines to get life insurance coverage for myself after having been declined for health reasons by my employer. My wife and I just had a son and it had become more imperative than ever that my family be protected if I were to pass away. The health screening appointment was conducted at my home around my schedule, which was very convenient. It was clear to me that Mike went above and beyond to make sure the underwriter fully understood my situation, going to bat for me so that I would not be declined again. I am a very happy customer.

- Daniel S. from Seaside, CA.

It’s not easy to find life insurance with a chronic condition such as crohn’s disease which is why I greatly appreciated having Mike on my team. Mike is responsive, patient, professional and indefatigable- all things you need when you’re looking for a competitive policy. Knowing my family will be taken care is not only a relief but a huge confidence boost and I’m thankful Mike works in the special risk insurance arena. I would absolutely work with him again. Thank you Mike!

- Bobby from Washington D.C.

Mike and Special Risk Term are absolutely top shelf! I was worried that I would not be able to get term life insurance to protect my family, or that the costs would be exceedingly high.

Mike knew the industry inside and out and knew which companies would provide the best options. He coordinated with the underwriters to get the job done and get me an affordable plan, and kept me updated throughout the entire process. Not to mention he did it all electronically in the age of COVID without ever having to meet in person. Highly recommend. Excellent service and expertise!

- Chris M. from Laguna Niguel, CA.

Mike did an awesome job in finding affordable coverage for myself and my husband. Highly recommend his services.

- Shannon from Atlanta, GA.

I tried several places before I came across Mike’s website. The insurance at these other places was either very expensive, or the company wouldn’t cover me because of my health history. Mike was able to find me a reasonably priced policy with a major insurer. He did a great job locating a policy that works well for me.

- Jeff from Hermon, ME.

Mike and his team made the entire process from start to finish very seamless and also overcame the task with us being multiple states apart with ease. With the easy process and very competitive priced insurance for high risk athletes, you have no need to look anywhere else for coverage. Thanks to Mike and his team for all they did and I highly recommend them for your Special Risk Life Insurance needs.

- Tyler C. from Danville, VT.

Mike and his team did an extra ordinary job of handling my life insurance situation.  I was unable to secure life insurance because I had cancer 17 years ago however Mike and his team navigated through the challenges to get me a 15 year policy at great monthly rates. Thank you Mike for all your work in in this challenging situation.

- Nathan S. from St. Paul, MN.

Mike was extremely helpful in locating a life insurance company that would accept a preexisting condition at a reasonable price. He saved time by submitting health records to several companies for a quick preview then following up with the one who offered the most reasonable premium. He knows which companies are most likely to accept certain conditions. Throughout the application process Mike was very quick to respond to e mails and phone calls. We highly recommend Mike if you need life insurance and have a preexisting condition.

- Henry R. from Springfield, TN.

We work with individuals across the nation to secure the best life insurance rates.

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