October '13Lupus Awareness Month
Lupus Awareness month - Lupus and Life Insurance
October is Lupus Awareness month which is being run by the leading Lupus charity, Lupus UK. The aim is to raise awareness for people living with Lupus and to help fundraising towards essential research for treatment of the condition.
Lupus is a highly complex chronic condition for which there is very little understanding among the medical profession. The condition affects a wide range of areas of the body and symptoms can vary from mild to the other extreme of life threatening.
Common symptoms include:
- Joint pain
- Skin rashes
Lupus (SLE) is a chronic condition for which there is currently no cure, it affects the auto-imune system causing the body to produce excess anti-bodies and attack itself. The immune system is the bodies natural defence mechanism against illness and infection.
Types of Lupus
There are 3 main types of Lupus which are:
Systemic Lupus Erythematosus (SLE) which is the most commonly known and what people normally refer to when talking about 'Lupus'. SLE as the name 'Systemic' applies can affect any organ or system within the body making it something to be taken very seriously.
Symptoms of SLE can range from mild or periods of no symptoms at all to severe and life threatening. A person with SLE can experience lengthy periods of time with few or no symptoms, then suddenly experience flare ups where symptoms can be severe.
Discoid Lupus Erythematosus (DLE) is probably the second most common version of the condition and the more mild variety in terms of it's severity and symptoms. DLE is a condition that only affects the skin and causes symptoms such as:
- Hair loss
- Permanent bald patches
- Marks on the skin
DLE is usually controlled by medication and avoiding exposure to sunlight which in most cases is successful. In some more extreme and rare cases, DLE can progress to develop in to SLE.
Drug-induced Lupus is more rare and is where the use of prescribed drugs can cause side affects that are similar to that of Lupus. In these instances, usually stopping the course of medication would resolve the problem however it is not advisable to stop taking medication without consulting your Doctor or GP first.
Facts about Lupus
- Lupus SLE affects mainly women (around 90% of all instances)
- 1 in 5,000 (white) females will develop Lupus (SLE)
- Lupus usually affects women of child bearing age (between 15 and 50)
About Lupus UK
Lupus UK is currently the only registered charity to support individuals who have been diagnosed with or a awaiting diagnosis of Lupus. The charity was founded originally in 1978 known as the British SLE Aid Group, it later became Lupus UK in January 1996.
Lupus UK currently has around 6,000 members nationally throughout a number of regional support groups. The charity supports people diagnosed with the condition by providing:
- Medical support groups/talks
- Publishing local/national newsletters and magazine
- Organising fundraising events locally and nationally
- Grant programmes for research purposes
- Website/social media links
About Lupus life insurance
Life insurance is generally available for individuals who have been diagnosed with Lupus depending on the type and severity of the condition. Underwriting for Lupus life insurance is based on a number of factors such as:
- Condition type (i.e. SLE, DLE, Drug-induced etc.)
- Age at diagnosis
- Symptoms/regularity of symptoms
- Severity of condition
For some examples of recent cases where The Insurance Surgery has obtained cover for individuals who have been diagnosed with Lupus, visit our Lupus case studies section.
About The Insurance Surgery
The Insurance Surgery is the UK's leading pre-existing medical conditions Life Insurance specialist.
We have helped thousands of individuals to find cheaper and better insurance cover over the years. We use our extensive knowledge and experience to help guide people with pre-existing conditions such as Lupus towards insurance providers offering the best premiums.
Why choose The Insurance Surgery?
Here are a few simple reasons why you might want to speak to our expert consultants:
- Extensive medical knowledge
- Access to Senior underwriters to obtain best premiums
- Specialist providers if other providers decline cover
- Market leading premiums and cover
- Expert consultants to guide you through the application process
- Simply, easy and hassle free service
- 93% of our clients would recommend us to a friend or family member
- Free and no obligation quotation service
- Price Guarantee (See T&C's)
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Why not call our expert consultants today and see what we can do to help you to find affordable and effective cover.