Can I Get Life Insurance If I Have Lupus?

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Types of Lupus and Its Impact on Life Insurance

  1. Type of Lupus:
    • Systemic Lupus Erythematosus (SLE): Affects multiple organs; higher insurance risk.
    • Discoid Lupus: Primarily affects the skin; lower insurance risk.
    • Drug-Induced Lupus: Caused by certain medications; risk depends on reversibility and damage extent.
    • Neonatal Lupus: Rare, affecting infants; not typically a consideration for adult life insurance.

Impact of Lupus on Internal Organs

  • Skin or Minor Joints: Lesser concern for insurers.
  • Major Organs (e.g., liver, brain): Higher concern; may affect policy terms and costs.

Options for Life Insurance with Lupus

  1. Traditional Life Insurance:
    • Underwriting process involves medical exams and health history.
    • More difficult with severe Lupus, especially with major organ involvement.
  2. Guaranteed Issue Life Insurance:
  3. Final Expense Insurance:
    • Designed to cover funeral costs and minor debts.
    • Easier qualification, but limited coverage.

Understanding Policy Limitations

  • Coverage Amounts: Typically lower for high-risk conditions.
  • Premium Costs: Higher for individuals with serious health issues.
  • Waiting Periods: Some policies may have waiting periods before full benefits apply.


Navigating life insurance with Lupus is challenging but possible. The type of Lupus and its impact on your health are crucial factors in determining eligibility and policy terms. Exploring different types of policies, such as guaranteed issue or final expense insurance, can provide options for coverage despite health challenges. Carefully consider the limitations and costs associated with each policy type. For personalized advice and to explore your options further, contact us today for a free quote.

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Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Shawn Plummer is a Chartered Retirement Planning Counselor, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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