SLE is an autoimmune disorder in which the body produces antibodies that attack the body itself and cause inflammation that can occur anywhere in the body. Involvement of the brain, heart, kidney and lung are serious complications.
Risk is generally uninsurable if there is brain, heart, kidney or lung involvement.
Symptomless, uncomplicated disease, well controlled, may be Table H to B
depending on time since diagnosis, when onset is between ages 20 and 60
and onset is more than one year ago.
When the diagnosis is made over age 60, the rating may be improved by two tables.
Life Insurance Solutions, in summary when underwriting a systemic lupus erythematosus (SLE) disease history, suggests for those persons looking for life insurance for lupus, the following factors are very important in assessing the risk:
- Date of diagnosis?
- Description of symptoms?
- Medications used?
- Date medication last used?
- Brain, heart, kidney or lung problems?
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