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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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
Fatigue
Arrhythmia (abnormal heart rate)
Painful joints, muscles or bones
Sore or red eyes
Unintentional weight loss
Chest pain

Symptoms can vary depending on which organs are impacted by the condition. In some cases, you can even have minimal or no symptoms only being diagnosed via a ct scan or chest x ray for something else. The exact cause of sarcoidosis is unknown.

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.

You should still be able to access standard cover with many providers. If your symptoms are more severe, it may be that a more specialist life insurance company will work better for you, but our experts can help you find the right insurer for your needs.

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.

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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.

It is important to be as honest as you can be on your application as not disclosing something could cause your cover to be invalidated later. This may lead to your loved ones losing out on a pay out right when they need the support the most.

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.

Our experts can help you compare hundreds of available policies across the market, to find the policy and provider that will work best for you and your medical history.

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.

Even with chronic sarcoidosis, you can still access great cover with advice from an expert who knows the best providers and policies for someone with your condition.

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.

Speak to our experts to find out how you can save on your policy, regardless of your medical history.

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:

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.

Life insurance acts as a safeguard, allowing you peace of mind knowing your family is financially protected.

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:

Osteoporosis
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