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How To Get Final Expense Whole Life Insurance With Systemic Lupus SLE

How To Get Final Expense Whole Life Insurance With Systemic Lupus SLE

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In Today’s Article, I Will Discuss How You Can Qualify For Final Expense Whole Life Insurance, Even If You Have A Diagnosis Of Systemic Lupus Erythematosus, Also Known As Sle

Here’s An Overview Of Today’s Topic:

What Is Systemic Lupus Erythematosus SLE?

 Lupus is a systemic autoimmune disease that occurs when your body's immune system attacks your own tissues and organs

The Mayo Clinic defines systemic lupus erythematosus SLE as “a systemic autoimmune disease that occurs when your body’s immune system attacks its own tissues and organs.” For example, lupus can attack and affect the lungs, heart, skin, kidneys, and blood cells.

Further, doctors may misdiagnose lupus for another ailment, as the effects of lupus commonly mirror the effects of other diseases.

What Are The Common Physical Ailments Associated With Systemic Lupus SLE?

Interestingly, no two lupus cases share the exact same ailments and triggers. Severity and triggers differ between patients. Commonly, flare-ups will occur, where lupus symptoms worsen for a while. Then, either improve or completely go away.

How Lupus Impacts Qualifying For Final Expense Whole Life Insurance

As a final expense whole life insurance specialist, systemic lupus can at times cause challenges when qualifying for quality burial life insurance. Chiefly, there are two factors I am concerned with investigating when I interview a lupus patient. Naturally, the first is the diagnosis of systemic lupus SLE, and whether or not the person is taking treatment.

Second, I am interested in the symptoms my client experiences, as they may affect the underwriting outcome.

Systemic Lupus SLE Symptoms And Their Impact On Final Expense Whole Life Insurance Eligibility

Let’s discuss the most common symptoms of lupus and their impact on qualifying for final expense whole life insurance coverage.

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Kidney Disease

Prolonged periods of lupus can cause kidney damage, with many patients experiencing kidney failure. The level of kidney failure a lupus patient experiences has a direct impact on eligibility for final expense whole life insurance coverage.

While there are some limited options for non end-stage kidney disease, lupus patients with Stage 4 Kidney Disease requiring dialysis only have the option of guaranteed-acceptance life insurance coverage. This limits coverage for natural death for the first two years.

final expense burial insurance systemic lupus sle

Some lupus patients will suffer from severe cognitive memory disorders.

Cognitive and Central Nervous System

Lupus can cause cognitive memory disorders, as well as seizures and strokes. While it is possible to qualify for full coverage final expense whole life insurance with recent seizures, it is less likely with recent stroke history or cognitive memory disorder diagnoses.

In those circumstances, you should expect to only qualify for a no-questions asked life insurance policy, limiting coverage for the first two years for natural death.

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*Burial insurance premiums are subject to underwriting, based on rates as of 8/20/2018, from state-regulated life insurance companies offering final expense burial whole life insurance protection. Understand that in order to potentially qualify, you must submit an application to see if you’re eligible. Rates are subject to change. Give Buy Life Insurance For Burial a call at 888-626-0439 now to see what program you may qualify for.
Owner of David Duford with his son

My goofball son and I thank you for reading, and hope you’ve gained truly valuable information on your search for life or burial insurance. If you’re ready to discover your options for life or burial insurance, call me at 888-626-0439 now for your free life insurance quote!

Next Steps

While there are many other ailments associated with systemic lupus, it is likely that you may qualify for first-day full coverage final expense whole life. This assumes you do not have the conditions listed above.

I have worked with dozens of systemic lupus SLE patients since 2011. In many circumstances, I have qualified them for first-day full coverage life insurance options. Luckily, these clients had less severe cases of lupus, and did not suffer from the severe issues listed above.

Whether or not you have a severe case of lupus, it is worth your time to see what you qualify for. All case are unique, and a simple 10 minute phone call will tell you exactly what you qualify for.

Let me help! Give me a call at 888-626-0439 now.


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