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Systemic Lupus Erythematosus (SLE or lupus) is a complex disease to live with. Not only does it come with unpredictable and often painful flare-ups, but it also offers many challenges on a day-to-day basis.
As well as being restrictive on a physical and social level, lupus can also be very expensive to manage financially. Those living with lupus are therefore advised to consider purchasing Burial Insurance policies as soon as possible.
However, the market for lupus-specific insurance products can be somewhat limited, especially when you consider the need for affordable premiums on top of any potential future payout.
However, there are still some great options out there if you know where to look – so read on for more information on what systemic lupus insurance is, why you might want to consider buying coverage, and where you can find details of some of the best deals currently available online.
Quick Article Navigation
- What Is Burial Insurance With Systemic Lupus?
- Why do you need a Burial insurance policy With Systemic Lupus and SLE?
- Best insurance policy option if you have a history of Systemic Lupus?
- Do I need a medical test to qualify for Burial insurance for Systemic Lupus and SLE?
- Burial Insurance Underwriting With Systemic Lupus and SLE
- What are the benefits of purchasing an InsuranceForBurial policy with Systemic Lupus?
- What Information Do We Need If You Have Systemic Lupus and With SLE?
- How To Find The Best Burial Insurance With Systemic Lupus and SLE?
What Is Burial Insurance With Systemic Lupus?
Burial insurance with systemic lupus coverage pays for your funeral expenses if you die from complications related to this condition or other diseases or pre existing conditions that are included in your policy’s coverage list.
Your family receives a lump-sum payment from the insurance company after your passing; they don’t have any out-of-pocket costs associated with planning or paying for your funeral arrangements.
Systemic lupus erythematosus (SLE) is a chronic autoimmune disease that affects the skin, joints, blood cells, heart, and lungs. The condition can be excruciating and debilitating and can lead to death.
The only known treatment for SLE is to manage symptoms with prescription drugs or over-the-counter painkillers like aspirin. But these medications can cause side effects, such as stomach bleeding and ulcers.
Suppose you have SLE and want to ensure that your family doesn’t have to worry about how they will afford your funeral expenses. In that case, you should consider purchasing burial insurance with systemic lupus coverage.
Symptoms of SLE include:
The most common symptoms of SLE include:
Joint pain and swelling: Joints are where two bones come together, such as the knee, hip, or shoulder. People with lupus often have joint pain, stiffness, and swelling, especially in the morning.
Skin rash: A distinctive type of rash called a “butterfly” or malar rash is often seen in people with lupus. This rash gets its name from the shape it usually takes on your face, spanning your nose and cheeks.
Fever: Fever is commonly seen in people with lupus and can signify that your body is fighting an infection or other illness.
Fatigue is one of the most common symptoms of lupus and can be very debilitating.
Headaches are also common in people with lupus and can range from moderate to severe.
Other less common symptoms of SLE include:
Anemia: Anemia is when you have too few red blood cells to carry oxygen to your tissues.
Mouth ulcers: Mouth ulcers are open sores that appear in the mouth.
Permanent hair loss: Permanent hair loss is when your hair falls out and does not grow back.
Raynaud’s phenomenon: Raynaud’s phenomenon is a condition in which your blood vessels narrow, causing your hands and feet to feel cold and numb.
Why do you need a Burial insurance policy With Systemic Lupus and SLE?
With Systemic Lupus and SLE, you need a Burial Insurance policy for your family’s peace of mind. Sometimes, life comes to an end in the most unexpected way. If you are diagnosed with systemic lupus or SLE, you must know that it will take your loved ones’ care, even about your death.
You can get a burial insurance policy to cover your funeral expenses, including burial expenses. The funeral cost can be very high, especially if many people want to attend the service.
A burial insurance policy will help pay for these costs so that money isn’t wasted on things that don’t matter once the person has passed away.
Burial insurance is also suitable for those with dependents because it gives them more time to save up money for their funeral before passing away.
It also allows them to enjoy their lives without worrying about how they will pay for their service when the time comes.
Best insurance policy option if you have a history of Systemic Lupus?
Diagnosis And Treatment More Than 24 Months ago
If you have had Systemic lupus for two consecutive years or fewer, then some insurance companies may offer level benefits with first-day coverage and no waiting period.
Other types of insurance could allow you to cash in your premium benefit while still alive at 59 or younger. You will also pay the lowest rate.
You can choose to have the payout remain the same or opt for it to increase over time. Once you pass away, your beneficiary will receive a steady income stream.
A level death benefit free coverage on the first day of the plan: Best Option
Diagnosis And Treatment Are Within 24 Months
If your lupus diagnosis is recent or within two years, you will still qualify for burial insurance. The best option, in this case, is a first-day benefit plan.
A first-day option might be best for you. With this plan, you are covered from the beginning, and your death benefits will be phased in over time.
First-day benefits: Best Option
Do I need a medical test to qualify for Burial insurance for Systemic Lupus and SLE?
No medical test is required to qualify for burial insurance with Systemic Lupus and SLE. You only need to answer a few basic questions about your health when applying for funeral insurance.
The insurance provider will not require any medical reports or blood samples during the application process. You will usually receive official approval within minutes!
Burial Insurance Underwriting With Systemic Lupus and SLE
Some of the information that insurance companies may request during the underwriting process includes the applicant’s age, health history, and the applicant prescription history.
The company may ask about your overall health, any illnesses you have had in the past or present, and any medications you are currently taking.
These questions help the company determine how high or low your risk is for developing certain diseases, such as Systemic Lupus and SLE.
Since Systemic Lupus can’t be cured and is a lifelong condition, your insurance company won’t list a specific timeframe.
Some insurance companies will tie a period to the question that mentions this condition, but most will not. Below are some common ways you may see insurance companies ask about lupus:
- Have you ever been diagnosed with or treated for systemic lupus, SLE?
- Have you been diagnosed with or treated for systemic lupus in the last two years?
- Do you take any medications for your systemic lupus and SLE? If so, please list all medications and daily dosages for each drug.
Check The Prescription history:
The insurer will analyze your prescription history as part of their risk analysis. Different types of medication are used to treat this condition; some may be flagged due to poor efficacy or certain risks.
For companies that reject applicants because of this condition, here are the most common medications they are on the lookout for:
If these prescriptions get in their hands, they may mistakenly assume you have lupus and treat you accordingly. But, many drugs are also used to deal with other diseases.
On the other hand, if you apply to a company accepting lupus patients and have no penalties for such employees, they will not care about these illnesses.
What are the benefits of purchasing an InsuranceForBurial policy with Systemic Lupus?
- InsuranceForBurial offers a wide range of coverage options at affordable rates, which include: Funeral Service Plan, Burial Policy, Life Insurance Plan, and Annuity Plan.
- You can choose the amount of coverage best suited to your needs, whether it’s $1500 or 5 million worth of protection!
- Your policy will be guaranteed renewable, so your premiums won’t go up as long as you pay them on time each year. This makes it easier for you to budget for these expenses in the future since you know precisely what you’ll be paying each month for your coverage.
- In addition, there is no medical underwriting, so it doesn’t matter if you have pre-existing conditions such as SLE or other ailments since they don’t affect your eligibility for this plan!
What Information Do We Need If You Have Systemic Lupus and With SLE?
To determine which company best fits your needs, we will ask you several health and lifestyle questions relating to your Systemic Lupus and Systemic Lupus Erythematosus.
Your responses to these questions are essential because they will help us find the ideal company for you.
- When were you diagnosed with lupus?
- How long have you had lupus?
- What types of lupus do you have?
- Are you currently taking any medications for your lupus?
- Do you have any other medical conditions besides lupus?
- Do you have any allergies?
- Do any members of your immediate family have lupus? If so, who? How many?
- Have there been any complications or medical difficulties associated with your diagnosis? What type(s)? When did they occur? Were they serious or minor?
We need to know your medical condition to provide you with the best recommendation. The more information we get, the better our chances of finding affordable insurance coverage.
How To Find The Best Burial Insurance With Systemic Lupus and SLE?
The best way to find affordable burial insurance is to work with an independent insurance agent who can compare rates from multiple carriers. A good agent will also help you understand the different policy options and riders so that you can make the best decision for your needs.
If you have Systemic Lupus and SLE, you want to find the best insurance coverage. It includes finding an insurance company to help you get what you need at an affordable price for your budget.
At InsuranceForBurial.com, we can provide the coverage you need for those with Systemic Lupus and SLE. We’ll ensure you get the right coverage for what you need and deserve.
We’re an independent insurance agency run by A+ ranked professionals with access to the country’s best-rated agencies. They only offer high-quality policies with innovative insurance options, for example, final expense insurance.
Our team specializes in finding you a final expense plan for your needs. Regardless of your medical history, we do our best to find affordable coverage that works for you.
We know everything you need to know about underwriting with the most popular insurance companies. And we’ll work to get you the best rates.
When looking for health insurance, it is essential to compare all the available options. We can help determine which provider would be the best choice for your situation, making it easy to find and purchase a plan.
To sum up, don’t hesitate to contact us – we’re here to help you find the coverage you need at the best price possible.
Lupus, or systemic lupus erythematosus (SLE), is a chronic inflammatory disease that can affect many different body parts.
It can be tough on those with it because it can make them more susceptible to contracting other conditions such as pneumonia and tuberculosis. That is why having a comprehensive burial insurance plan is essential for those with lupus.
If you have lupus or know someone who does, ensure they have the coverage they need in case of an untimely death. Burial insurance can give peace of mind to the insured and their loved ones, knowing that it will cover final expenses.
This article provides a comprehensive guide to burial insurance with SLE. If you are interested in obtaining burial insurance, fill out our quote form on this page or call us at (855) 380-3300, and we’ll be happy to help you.
Monaco, L. (2022, May 22). The Truth About Burial Insurance with Pre Existing Conditions [2022 Review]. InsuranceForBurial.Com. https://insuranceforburial.com/blog/burial-insurance-pre-existing-conditions/