Yes, you may be able to qualify for life insurance if you have Lupus.
Life insurance companies review your risk for coverage based on several factors including your age and health.
The underwriter then determines if you will receive a preferred rate (better than average), a standard rate (average) or a rated policy which means you present a greater than average risk to the life insurance company of paying out a claim due to the risks thou present; such as, poor health or a chronic health condition.
Since lupus can contribute to early death you would most likely be offered a rated life insurance policy which charges higher than average rates for your life insurance coverage.
You may want to consider contacting a local independent life insurance agent who specializes in placing life insurance for high risk people.
Life insurance companies review your risk for coverage based on several factors including your age and health.
The underwriter then determines if you will receive a preferred rate (better than average), a standard rate (average) or a rated policy which means you present a greater than average risk to the life insurance company of paying out a claim due to the risks thou present; such as, poor health or a chronic health condition.
Since lupus can contribute to early death you would most likely be offered a rated life insurance policy which charges higher than average rates for your life insurance coverage.
You may want to consider contacting a local independent life insurance agent who specializes in placing life insurance for high risk people.
RSS Feed
