Lowest rates on life insurance with lupus [Ultimate Guide]

Secret to finding the lowest rates on life insurance with lupus

This article will give you the tips you need in order to not only find the lowest rates on life insurance with lupus, but also how to go about applying for this coverage without having to complete multiple applications and insurance exams.

It can be said that lupus can sometimes be quite challenging for life insurance company underwriters. After all, lupus can often have several different symptoms that can affect the overall mortality risk of the insured.

By definition, lupus is an autoimmune disease that attacks the body’s tissues. Symptoms can sometimes include but are not limited to; fever, skin rashes, swollen joints, liver disease, heart conditions, blood vessel disease.

Women are 10 times more likely to be afflicted with lupus. The most common ages for lupus diagnosis are between 15-55 in women. Men’s symptoms sometimes include kidney disease, pleurisy (inflammation of the lungs), anemia, seizures.

Lupus can be a very devastating disease for those who are afflicted.

So, how does someone with lupus go about finding the lowest rates on life insurance with lupus?

Find an expert agent

In the life insurance world, there are thousands of agents who can sell you a policy. But, did you realize that not all agents have the experience to find the lowest rates on life insurance with lupus?

Special risks life insurance agents have an expertise in securing life insurance policies on individuals with pre-existing medical conditions.

Typically, these agents will have been in the business for many years. They will have a special background in dealing with only the life insurance companies that underwrite the lowest rates on life insurance with lupus.

Typically these special risks agents will be independent agents. This means they have no allegiance to any one life insurance company. This gives the agent the freedom to choose the carrier that best fits the situation.

It is also important to remember that “special risk” underwriting is a very limited field for insurance carriers. Their are over 1,000 life insurance companies operating in the United States.

But, only a handful are considered special risk underwriting companies. Oh, you may find some life insurance companies that will offer a policy for someone with lupus, but you also may be paying way more than you have to.

Choosing the best carrierLowest rates on life insurance with lupus

So, now that you know there are actually agents out there that specialize in underwriting those with pre-existing medical conditions, the next thing is to find out the best carrier.

Here is an example of how the special risk life insurance agent would go about finding you the lowest rates on life insurance with lupus.

Betty is a 45 year old female diagnosed with systemic lupus erythematosus (SLE) 5 years ago. She is currently stable and has been well followed for at least 2 yeas by her physician. She currently has no renal failure or other conditions and is being treated with steroids. Betty is looking for $500,000 of the lowest term life insurance she can find.

Betty’s agent, an expert in special risk life insurance immediately knows from experience several life insurance companies that may make an offer. But, he wants to make each insurance company fight for the business.

Betty’s agent doesn’t request for Betty to complete an application or even an exam at this point. He wants to make sure he has a viable offer before putting Betty through the process of jumping thru hoops.

Betty’s agent asked Betty to sign an authorization that allows the insurance company to review her medical records. This process known as a trial application is something that most inexperienced agents simply don’t know to do.

Once the medical records come in, each life insurance company reviews an makes a final tentative offer.  Betty’s agent makes sure that each carrier gives their best possible offer and let’s them know this is a competitive situation.

Once the best possible offer is received, Betty’s agent then goes back to Betty with the rates that would be offered “if” Betty decides to formally apply.

Formal application for coverage

Applying for formal coverage is now much easier. The insured, in this case Betty knows which company in the marketplace will offer her the lowest rates. She was able to find out the lowest rates on life insurance with lupus without completing multiple applications and going thru multiple life insurance exams.

She did not have to waste time talking to multiple life insurance agents. Not if the tentative offer for coverage that the “special risk” agent shopped and found for her is acceptable, she will now complete the formal application and any other needed requirements.


The process of trying to find the lowest life insurance rates when you have a pre-existing condition does not have to be time consuming and exhaustive if you have the right resources. A special risk agent that represents multiple companies who specialize in underwriting coverage for those with pre-existing medical conditions will do the trick.

If you would like a free evaluation of your situation, please don’t hesitate to contact us at 1-888-393-9003 or by email at mike@specialriskterm.com



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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

Email: mike@specialriskterm.com

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


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.

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.

Best rates and best service I have ever received.

- Robert from Kennesaw, GA.

Two Thumbs Up for Mike at Special Risk Term

- Yaniv from Troy, MO.

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 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.

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

- Shannon from Atlanta, 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.

Mike did an outstanding job getting me my coverage. He went above and beyond answering all my questions. He always returned my calls immediately even on the weekends!!! I highly recommend him.

- Aileen from Woodstock, GA.

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.
About SpecialRiskTerm.com
About SpecialRiskTerm.com

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

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