It is possible to get life insurance if you have lupus. However, there may be some challenges you'll need to prepare for. Because life insurance coverage is specific to each individual’s medical history, including lupus severity, coverage options and decisions will vary from individual to individual.
The best recommendation is to cast a wide net and reach out to as many life insurance companies as possible. Even when coverage is offered, rates for those with pre-existing conditions can be higher, so it’s important to compare rates, if possible. Some companies specialize in working with people that have pre-existing conditions and may be more likely to provide coverage.
Contact your state’s Department of Insurance to see if your state can share the name of insurance companies that work with people with pre-existing conditions.