About iam|INSURED and why we’re different

We're experts in life insurance and health insurance, especially for people with medical conditions, dangerous jobs and hazardous activities. We've helped thousands of families to get the best protection over the past 20 years and make sure that they pay a 'fair price'. Everyone is different and their financial needs are unique to them... which is why we treat everyone as individuals and do our best t help. We're also rated 4.9 out of 5.0 by our customers

Facts about lupus life insurance

If you’ve been diagnosed with lupus and you want to find out more about getting life insurance, it can be confusing. There are lots of different places to get information and some can contradict others.

Life cover for people with lupus is often available through the normal routes and with most high street insurance companies. It’s often just a case of searching to find the best for you and getting the fairest price.

Whether you’re looking to protect your financial future while you receive treatment, or prepare for an upcoming trip, we have insurance coverage for you. Contact our team to discuss lupus life insurance, income protection, critical illness cover or travel insurance policies today 0800 009 6559

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How much does lupus life insurance cost?

When applying for lupus life insurance, there are a few factors that can influence the cost of your policy. Prior to applying for lupus life insurance, insurance companies will request a medical check from your GP to receive data on any pre-existing medical conditions you may have, such as high blood pressure. Once this data has been observed, the next step will be to gain a greater understanding of your lupus diagnosis.

Lupus life insurance can usually be offered at standard terms, however, the type of lupus you have, along with your symptoms of lupus can influence your coverage premiums and policy terms. For example, your rates for a Discoid (cutaneous) lupus erythematosus diagnosis will be better than a Life systemic lupus erythematosus. This is regarding the effect that conditions like lupus can have on your overall health, the treatment required and the necessary medication to live with lupus.

Your premiums for lupus life insurance will depend on:

  • Your current lupus diagnosis, including any symptoms and treatment.
  • Your pre-existing medical history.
  • The type of insurance product you’re looking for – (Income protection, critical illness cover, travel insurance).
  • The term of your lupus life insurance policy.

Percentage (%) loading for lupus life insurance

When you apply for lupus life insurance, insurance companies will take your diagnosis into account and calculate a percentage loading amount. Percentage loading is where an additional cost will be added on top of your premiums, based on your current lupus diagnosis. Be aware that depending on your selected insurer, percentages will vary when applying for lupus life insurance.

Per mille loadings for lupus life insurance

An additional outcome you may experience when applying for lupus life insurance is ‘per mille loading’. Per mille loading is where an additional amount will be added to your premiums which is based on the amount of cover you apply for. This can be applied to the whole term of your lupus life insurance policy or can be selected for a small period.

Exclusions for lupus life insurance, critical illness cover, income protection, or travel insurance

Alongside the above loading potential, insurers may also include ‘exclusions’ to your lupus life insurance application. An exclusion is classed as a condition that may be linked to or caused by your lupus diagnosis. This condition may be excluded from your policy.

To find out more about premium loading and whether exclusions apply to you, contact our team today!

Additionally, speak to one of our consultants to receive your own personal quote for lupus life insurance, critical illness cover, income protection, or travel insurance.

How much cover do I need?

It is difficult to provide a clear recommendation regarding cover amounts when applying for either a lupus life insurance policy, or income protection, critical illness cover, or travel insurance. However, there are some key factors that can help you estimate, including your budget and current lupus diagnosis. View our breakdown of each policy below:

Lupus life insurance amounts of cover

As mentioned above, the process of obtaining lupus life insurance can be a straightforward process, where standard terms may be offered. However, this will depend on your type of lupus, current diagnosis, along with your treatment and symptoms. Rates and coverage recommendations will vary from person to person, however here are some factors which can help you estimate while applying for lupus life insurance:

  • Mortgage amount (£’s)
  • Outstanding debt (e.g. Loans, second charge, credit cards, and others)
  • Dependents
  • Spouse or Partner
  • Income (after Tax)
  • Assets (e.g. car, house, business etc.)

Lupus critical illness cover amounts

Similar to the underwritten guidelines of life insurance, critical illness cover can be obtained by a lupus patient, however the terms attached will depend on your diagnosis. Those with a milder diagnosis in the form of DLE, will have greater terms than those with a SLE diagnosis. It is more than likely that in most cases when applying for critical illness cover, that your premiums will increase, including any policy exclusions. To gauge your coverage amounts when applying for lupus life insurance, read on:

  • Income (after Tax)
  • Mortgage payments (annual)
  • Cost of living (annual)
  • Any other possible costs (e.g. medical treatment or adaptations)

Lupus income protection amounts of cover

We understand that protecting your financial situation is a must, and that is where income protection can support you. If you suffer with DLE, it is more than likely that you will be offered income protection at standard terms, or with a low loading premium. However, if your diagnosis has a higher severity of SLE, an increase of premiums, lupus exclusions or a delay of application may be recommended. If income protection is of interest, consider these key factors to gauge cover amounts:

  • Monthly income (after tax)
  • Mortgage/rent payments
  • Debts (other)
  • Cost of living

To discuss your eligibility for income protection cover, contact our team today 01244 732 890.

Lupus travel insurance amounts of cover

Are you looking for a little downtime through a trip abroad? If so, contact our team today who will work with your lupus requirements and offer travel insurance cover suitable for those with pre-existing medical conditions. Ensuring you’re covered for your condition is a must!

Purchasing your lupus life insurance policy with Iam Insured

If you are looking for suitable lupus life insurance, critical illness cover, income protection or travel insurance, our reputable insurance providers can help.

If you would like to discuss your application for life insurance cover today, contact our expert team on 01244 732 890. They can run through the process with you, along with discussing your premiums and potential exclusions.

They will treat you as an individual and ensure they source the right protection for you!