9 of 9 carriers in our network offer coverage options. See carrier details.
We carry Guaranteed Issue coverage that requires zero health questions — no questions about Lupus, no medical exam, no blood work.
Standard Issue is also available for managed Lupus — immediate full death benefit at lower premiums.
We compare 30+ carriers in about 60 seconds. No phone call required.
Compare My Rates Talk to an AgentIf you've been managing Lupus and were told you can't get life insurance, that's not the full story. Large direct-to-consumer carriers run conservative underwriting that screens out many manageable conditions. The independent market is much broader — and we work with every carrier in it.
For Lupus, underwriters evaluate the severity, treatment compliance, and stability of the condition.
| Feature | Standard Issue | Guaranteed Issue |
|---|---|---|
| Health Questions | Simplified (few questions) | None at all |
| Tobacco Question | Yes (most carriers) | No — not asked |
| Death Benefit | Immediate — full amount day 1 | Graded — 110% yr 1-2, full yr 3+ |
| Monthly Cost | Lower | Higher (2-3x Standard) |
| Best For | Managed, stable condition | Multiple conditions or prior declines |
Be upfront about your condition. The carriers on this page already know they're writing people with Lupus. Misrepresentation can void your policy when your family needs it most.
Have your medication list ready. The application asks what you take and who prescribes it. Having this handy cuts the process from 20 minutes to 10.
Don't wait. Rates increase with every birthday. A 55-year-old pays significantly less than a 60-year-old for identical coverage.
Yes. 9 of our 9 carriers offer coverage options for Lupus. For severe or recently diagnosed cases, Guaranteed Issue coverage is available with no health questions at all.
It depends on the carrier and severity. Standard Issue rates for managed conditions are often close to standard rates. Guaranteed Issue rates are set by age only, not by condition. Either way, coverage at a higher rate protects your family better than no coverage.
Most carriers charge higher rates for tobacco use. However, our Guaranteed Issue option doesn't ask about tobacco — smokers and non-smokers pay the same rate.
A decline from one carrier doesn't mean you're uninsurable. Each carrier has different guidelines. We work with carriers that specialize in conditions others decline. A previous decline does not affect eligibility with our carriers.
For final expense coverage, $15,000-$25,000 is typical — covering funeral costs, medical bills, and giving your family breathing room. For income replacement, 10x annual income is a common guideline.