Sarcoidosis life insurance
Sarcoidosis is a rare condition which can have a big impact on those who have it, particularly if symptoms worsen over time.
If you have a condition like sarcoidosis, you may worry this will cause issues for you when trying to take out life insurance – or even block you from getting cover completely.
This is not necessarily the case; you just need to make sure you are applying to the best insurers for your needs.
As the UK’s #1 rated pre-existing life insurance experts, we know exactly which providers will be best to approach. We can help you find an excellent policy at a price to suit you.
"This company went above & beyond to get me cover even though I have MS, I am very happy I managed to get cover, Amazing staff, Dean went above & beyond, I highly rate this company."
by Elizabeth Turner-Long - 9th August 2023
What is sarcoidosis?
Sarcoidosis is a condition that leads to bumps called granulomas (small swollen patches of tissue) developing on your organs. It most often develops on the lungs (pulmonary sarcoidosis) but can also affect your lymph nodes and skin as well as other organs such as your heart or brain.
Common symptoms of sarcoidosis include:
- Being short of breath
- Having a persistent cough
- Bumps on the skin that are tender
You may also experience:
- Swollen glands
- Arrhythmia (abnormal heart rate)
- Painful joints, muscles or bones
- Sore or red eyes
- Unintentional weight loss
- Chest pain
Will life insurance cover sarcoidosis?
YES – you should still be able to find great cover even if you have or have previously had sarcoidosis.
Sarcoidosis can be mild and often can clear up on its own without a need for treatment within a matter of months. Depending on where in the body is affected, you may have sarcoidosis with minimal symptoms, or you may not even be aware you have it.
Does life insurance pay out for sarcoidosis?
YES – life insurance should still pay out if you have sarcoidosis and you were to pass away.
Life insurance will provide your loved ones with a safety net, helping to keep them financially secure in the event you are no longer around to provide for them.
The pay out from your policy can help them to cover costs such as funeral bills or mortgage payments, ensuring they don’t struggle at an already difficult time.
How does sarcoidosis life insurance work?
When applying for life insurance with a pre-existing condition like sarcoidosis, you will need to disclose this to the insurance provider. They will ask general health and lifestyle questions for any application but with sarcoidosis they may also ask things such as:
- When you were diagnosed with sarcoidosis
- Whether you are currently having treatment or on medications
- Whether it is acute or chronic (long term) sarcoidosis
- How severe the symptoms are (do they impact your day-to-day life?)
They could also request medical records from your GP but this is a standard process with pre-existing conditions and nothing to be overly concerned about.
Can I get sarcoidosis life insurance?
YES – Sarcoidosis shouldn’t prevent you from getting the level of cover you need at a reasonable price.
Certain providers will be better for providing cover, particularly if your symptoms are serious or you have multiple medical conditions. If you have previously had your cover declined, it is likely you simply haven’t found the right provider for you yet.
How much is life insurance with sarcoidosis?
The cost of your policy can vary depending on the individual provider, severity of symptoms and if you are classed as having acute or chronic sarcoidosis.
You can have acute sarcoidosis meaning symptoms develop but stop within months or a few years. More serious cases can cause many granulomas to develop on one organ, leading to function issues. This would then be classed as chronic sarcoidosis.
Cheaper life insurance with sarcoidosis
The best way to find a policy that has a lower price while still offering the level of cover you want will be by comparing policies across providers.
Comparison can often help you find far lower pricing than you may expect. Our team can compare hundreds of policies on your behalf, saving you the time and hassle of doing this research yourself.
Best sarcoidosis life insurance
What you will think of as the best policy will depend on your budget, the type of policy you need and how extensive you want the cover to be.
If you are unsure what type of policy you want or which level of cover is most appropriate, it is worth getting some advice from an insurance expert. We can explain the different types of life insurance cover available, and which one might work best for you.
We specialise in several types of life insurance including:
- Term life insurance (family protection)
- Decreasing life insurance (mortgage protection)
- Whole life insurance
- Over 50s life insurance
- Business life insurance
- Guaranteed life insurance
- Family income benefit
Why do I need sarcoidosis life insurance?
When you develop a medical condition, it can make you reassess your health and whether you and your family are as protected as they could be.
This is especially true if your sarcoidosis is classed as chronic and causes symptoms that impact on your everyday life.
Medical conditions linked to sarcoidosis
There are several conditions that can be linked with or caused by sarcoidosis, particularly as this condition can cause side effects and issues with various organs in the body. These include but are not limited to:
- Pulmonary fibrosis
- Cataracts or glaucoma
- Kidney stones
- Kidney failure
- Hypercalcaemia (too much calcium in the blood)
Sarcoidosis is an autoimmune condition so there are several other conditions that can act similarly in the body’s nervous system such as:
Frequently asked questions about sarcoidosis
|What are the 4 stages of sarcoidosis?||Stage 1: Granulomas found only in the lymph nodes|
Stage 2: Granulomas found in the lymph nodes and lungs
Stage 3: Granulomas found only in the lungs
Stage 4: Pulmonary fibrosis and permanent scarring of the lungs
|Is sarcoidosis a serious condition?||If sarcoidosis is left untreated it can lead to serious consequences including lung scarring and breathing difficulties.|
|What is the life expectancy of a person with sarcoidosis?||Most people with sarcoidosis will recover and have a normal lifespan. |
Complications such as lung damage could however lead to a shorter life in severe cases.
More information – Average life expectancy UK