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Lupus Life Insurance

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Lupus Life Insurance

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How it works:

In order to obtain a quote for you on Lupus Life Insurance, the following information will need to be taken into consideration

  • When you were diagnosed
  • Type of Lupus
  • What treatment you have received / medications / hospitalisation
  • When and how you suffer from symptoms

The Insurance Surgery are specialists in dealing with life insurance applications for people with pre-existing conditions. Lupus Life Insurance is just one of the many areas of cover the advisors deal with. Being an independent broker we are able to research the whole of the market to find an appropriate policy.

Case Study 1

  • Client: Female
  • Age: 26
  • Smoker Status: Non-Smoker
  • Cover Date: February 2016
  • Product Type: Critical Illness Cover
  • Cover Amount: £127,000
  • Cover Term: 30 years
  • Premium: £37.13

Case Study 2

  • Client: Female
  • Age: 40
  • Smoker Status: Non-Smoker
  • Cover Date: April 2016
  • Product Type: Whole of Life Insurance
  • Cover Amount: £10,000
  • Cover Term: Whole of Life
  • Premium: £16.11

LV and AIG Quoted Decline - Vitality Declined

Case Study 3

  • Client: Male
  • Age: 34
  • Smoker Status: Non-Smoker
  • Cover Date: January 2016
  • Product Type: Decreasing Term Assurance
  • Cover Amount: £121,500
  • Cover Term: 25 years
  • Premium: £17.02

Most Common Questions...

Life Insurance applications from a customer with a pre-existing condition such as Lupus are assessed on an individual basis. This means any increase in costs is reflective of your personal situation. The experienced specialist advisors at The Insurance Surgery are knowledgeable about where best to try for a policy depending on your condition and can look across the market for the right policy for you.
Your advisor will be able to let you know if this is an option based on how Lupus affects you.
A previous decline doesn’t affect any new application. The Insurance Surgery are experienced in applying for Lupus Life Insurance and can approach the providers they know will look more favourably on your condition.
The Insurance Surgery have been obtaining life insurance for people with pre-existing conditions for over 16 years so have a wealth of knowledge on what is available in the market. We put in the hard work behind the application so you don’t have to.

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Lupus Statistics UK ...

  • Systemic Lupus Erythematosus (SLE) affects around 15,000 people in England and Wales
  • around 90% of those with Lupus are female
  • The most common age range is 15-50
  • Lupus is more common in those from an African or Asian decent
  • Around 1 in 3 people with SLE will go on to develop Lupus Nephritis (usually within 5 years of diagnosis)

What is Lupus?

Lupus is a disease which causes problems with the autoimmune system making it become overactive. There are different forms of Lupus... there are some types of Lupus that just affect the skin - such as Discoid Lupus Erythematosus and Subacute Cutaneous Lupus Erythematosus. The most common and severe form is Systemic Lupus Erythematosus (SLE).

Symptoms of Lupus...

Symptoms can vary hugely between those with Lupus, some experiencing mild symptoms occasionally and others with regular and severe symptoms.

The main symptoms experienced are:

  • Fatigue - Tiredness even after plenty of sleep and just carrying out daily tasks
  • Joint pain - Typically in the hands and feet. These pains do not cause progressive damage to the joints
  • Rashes - Most often on the face, wrists, and hands. One common form is across the bridge of the nose and cheeks and is often known as a 'butterfly rash'. These can last for just 14 days or be permanent. Sometimes rashes are painful and itchy.

Risks associated with Lupus...

The risk of kidney problems known as 'Lupus Nephritis' which arises from long-term inflammation of the kidneys. This can cause other issues such as:

  • High Blood Pressure
  • Heart Attack
  • Stroke

Chance of developing cardiovascular disease is increased due to the heart and arteries becoming inflamed and damaged
Pregnancy becomes higher risk with greater chances of:

  • Pre-eclampsia
  • Miscarriage
  • Stillbirth
  • Premature birth

 

Treatments available for Lupus

There is no cure but treatments can ease symptoms:

  • Avoid overexposure to sunlight which can make symptoms worse
  • Nonsteroid based anti-inflammatory drugs are often prescribed
  • Hydroxychloroquine can be used to alleviate symptoms of SLE, such as rashes, joint and muscle pain, and fatigue

Useful Links:

Lupus UK: http://www.lupusuk.org.uk
The Hibbs Lupus Trust: https://hibbslupustrust.org
St Thomas Lupus Trust: http://www.lupus.org.uk
NHS Choices: http://www.nhs.uk/conditions/lupus/pages/introduction.aspx


Lupus Life Insurance related News

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