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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.

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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
  • Fatigue
  • 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:

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:

Sarcoidosis is an autoimmune condition so there are several other conditions that can act similarly in the body’s nervous system such as:

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

Useful resources for sarcoidosis

NHS – Sarcoidosis

SarcoidosisUK – SarcoidosisUK Support Groups

SarcoidosisUK – Support Hub

Asthma and Lung UK – Sarcoidosis

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Can I get life insurance with pre-existing conditions?

Yes, you will be able to get life insurance with almost any pre-existing medical condition, as long as it is not terminal. If traditional life insurance is not available due to the severity of your symptoms, then there are other guaranteed and specialist life insurance options, such as:

  • Accidental death
  • Over 50s life insurance
  • Guaranteed life insurance

Some of the most common examples of life insurance with pre-existing conditions are:

  • Overweight or High BMI life insurance
  • Diabetes life insurance (e.g. Type 2 or Type 1 diabetes)
  • Cancer life insurance
  • Heart attack or heart disease life insurance
  • Mental health life insurance
  • Multiple Sclerosis life insurance
  • Autoimmune disorders life insurance
  • HIV life insurance

There are literally thousands of types and variations of pre-exisiting medical conditions and so your situation is likely to be different to someone else. Life insurance with pre-existing conditions will take a number of elements in to account:

  • Severity and type of symptoms
  • Dates of diagnosis, episodes or attacks, and treatments
  • Any ongoing treatment and medications

Your life insurance premiums will be based on your own individual circumstances and how much cover you need. You should be able to adjust the levels of cover to suit your budget and it’s just as important to make sure that you at least have some cover in place.

What does Martin Lewis say about life insurance with pre-existing conditions?

MoneySavingExpert.com suggests that life insurance will ‘cost a lot more’ with a pre-existing medical condition. This is not true and it really does depend on your own individual circumstances so don’t be put off by this as they are not experts in this area.

It is true that some circumstances where the pre-existing medical condition is serious or severe, premiums can be higher to reflect the additional mortality risks. Ultimately, your life insurance premiums are unfortunately based on how likely you are to claim or if you have a higher chance of death within the policy term.

Martin Lewis doesn’t provide any real substance to his comment about pre-existing conditions life insurance and that’s not good enough. You should speak to a medical life insurance specialist to get a fully underwritten quote before you make any final decisions about whether or not you can afford to protect your family.

How much is life insurance with pre-existing conditions?

Most traditional life insurance providers will accept applications for people with pre-existing medical conditions. Often, you will have a number of potential options from several different insurance providers so you can usually save money as well by shopping around.

Historically you might have had less offers when you apply for life insurance with pre-existing conditions, but fortunately that is changing. Most of the more well-known high street life insurance brands are now offering more competitive rates and more flexible underwriting.

Top tips to save money on life insurance with pre-existing conditions:

  • Speak to pre-existing medical conditions specialist (these companies will understand the market better and should know which insurers will be cheapest for you)
  • Shop around and get different quotes (same as everything else, by shopping around you’ll get a better idea of what a good price is and what different companies offer)
  • Apply at the best time (timing can be important when applying for life insurance with pre-existing conditions, usually when symptoms are stable and not before or after treatment)

There are also other things to take into consideration, such as if you’re a smoker or if your weight is higher than normal. Can you do anything to improve your situation that might help to reduce your life insurance premiums.

Best life insurance for pre-existing conditions?

The best life insurance for pre-existing conditions will be different for each individual, based on their circumstances and the details of their health or medical history. There are certainly some insurance providers who are better for people with pre-existing medical conditions than others, such as:

  • The Exeter (better for people with more severe symptoms and serious health problems)
  • Legal & General (can sometimes be good for certain pre-existing medical conditions, especially mild to moderate symptoms)
  • Royal London (offers a number of specialist products and policies for certain pre-existing medical conditions such as diabetes and mental health)
  • Scottish Widows (sometimes good for moderate medical conditions and offers flexible underwriting for certain conditions)
  • The Guardian (also offers flexible underwriting towards some pre-existing medical conditions)
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