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Can i get Insurance with Lupus?

We were contacted by Mr H (a 43 year old delivery driver) and his wife, Mrs H ( a 40 year old office worker).

They were in the process of buying their first home and required life insurance to cover the mortgage loan of £185,000 over a 22 year term. They were surprised to find difficulty in obtaining any personal insurance. They had applied for a life insurance policy through their bank but had been declined.

Although they were both non-smokers and felt in overall good health, they were both diagnosed with a chronic medical condition whilst in their mid twenties.

Mr H was diagnosed with type 1 diabetes and Mrs H was diagnosed with Systemic Lupus Erythematosus (SLE) or more commonly known as lupus.

Diabetes is a lifelong condition that causes a person’s blood sugar (glucose) level to become too high.

The hormone insulin, produced by the pancreas, is responsible for controlling the amount of glucose in the blood.

Type 1 – where the pancreas doesn’t produce any insulin

Systemic Lupus Erythematosus (SLE) is an autoimmune condition, which means it’s caused by problems with the immune system. For reasons not yet understood, the immune system in people with SLE starts to attack and inflame healthy cells, tissue and organs.

Neither had suffered any complications although have been prescribed life-long medication. Mr H has insulin and Mrs H takes a daily has anti-inflammatory. As they have lived with these conditions for such a long time, they had not realised that there would be a problem in obtaining personal insurance.

Both Type 1 Diabetes and Lupus are claimable conditions for critical illness cover with a number of insurance providers. Mr & Mrs H are therefore unable to obtain critical lllness cover and are unlikely to be eligible for Income Protection.

The Outcome

We contacted all insurance provider to discuss the expected outcome of an application for life insurance. All companies will write to the clients’ GPs to obtain full medical records and advised us that they would increase the premium by anywhere between 150% and 225% for Mr H. They were less concerned about life insurance and lupus but most insurance providers stated that they would increase the cost of Mrs H’s life insurance by an extra 75%. One Insurer told us that they might be able to offer Mrs H standard terms without any increase in premium .

We calculated all of the possible variations in costs and recommended the provider offering the best likely outcome.

An application was submitted for a Joint Decreasing Term Life or earlier Terminal Illness policy with an initial sum assured of £185,000 over a term of 22 years for a premium initially quoted as £22.31 a month. The final premium after underwriting was completed was £49.46 a month.

In addition to this, we also arranged an Accident Policy for each of them costing £7.00 a month per a person. The policy pays out a lump sum if the policy holder suffers an injury due to an accident. The payment on claim depends on the severity of the injury but can be as much as £50,000.

Mr & Mrs H were pleased to have obtained the financial security offered by their policies.

Please note that any premiums mentioned are indicative only and based on this specific case study/ example, which is shown for information purposes only. Your own circumstances will determine whether the amount payable is more or less than the figure quoted.

Get a Quote

Whilst we will make every endeavour to help customers arrange insurance, there is no guarantee of success.

All applications are subject to underwriting please call us on Freephone 0800 644 4468 for expert advice.

Unsure what insurance cover you need?

Please read our jargon free guides : What cover is right for me?

Many insurance companies offer excellent additional benefits to their policyholders. Find out about what you might be entitled to and read more about Best Doctors, Helping Hand and Global Treatment please click here.

For more advice and support:

NHS Choices

Lupus UK

Client: 85481397



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