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Lupus Life Insurance

You may have found it difficult to secure Lupus Life Insurance. But rest assured, The Insurance Surgery has over 25 years of experience finding suitable policies for our clients.

What Is Lupus Life Insurance ?

Lupus is a disease which causes problems with the autoimmune system making it become overactive. There are different forms of Lupus… there are some types of Lupus that just affect the skin – such as Discoid Lupus Erythematosus and Subacute Cutaneous Lupus Erythematosus. The most common and severe form is Systemic Lupus Erythematosus (SLE).

Symptoms Of Lupus…

Symptoms can vary hugely between those with Lupus, some experiencing mild symptoms occasionally and others with regular and severe symptoms.

The main symptoms experienced are:

Fatigue – Tiredness even after plenty of sleep and just carrying out daily tasks

Joint pain – Typically in the hands and feet. These pains do not cause progressive damage to the joints

Rashes – Most often on the face, wrists, and hands. One common form is across the bridge of the nose and cheeks and is often known as a ‘butterfly rash’. These can last for just 14 days or be permanent. Sometimes rashes are painful and itchy.

Risks Associated With Lupus.

The risk of kidney problems known as ‘Lupus Nephritis’ which arises from long-term inflammation of the kidneys. This can cause other issues such as:

High Blood Pressure

Heart Attack

Stroke

Chance of developing cardiovascular disease is increased due to the heart and arteries becoming inflamed and damaged Pregnancy becomes higher risk with greater chances of:

Pre-eclampsia

Miscarriage

Stillbirth

Premature birth

How Lupus Life Insurance , critical illness cover and income protection works:

STEP 1

Complete form

STEP 2

Speak to us about your needs

STEP 3

We’ll search the market

STEP 4

We recommend the best product to suit your needs

STEP 5

Tell us when you want it to start!

In order to obtain a quote for you on Lupus Life Insurance, the following information will need to be taken into consideration:

When you were diagnosed

Type of Lupus

What treatment you have received / medications / hospitalisation

When and how you suffer from symptoms

The Insurance Surgery are specialists in dealing with life insurance applications for people with pre-existing conditions. Lupus Life Insurance is just one of the many areas of cover the advisors deal with. Being an independent broker we are able to research the whole of the market to find an appropriate policy.

Critical Illness Cover

Just like life insurance, critical illness cover can be available to some sufferers of coarctation of the aorta. Cover will depend on the severity of your condition and the extent to which it impacts on your general health, well-being and lifestyle.

You may find that insurers are more strict when offering policies for critical illness cover. You may need to provide medical confirmation in the form of records from your GP.

If your condition is manageable and you have no symptoms, it is possible to have an application for critical illness cover accepted on standard terms. If however your symptoms are more severe and you have had surgery, you might be offered cover with non-standard terms that are bespoke to your situation.

Contact us at The Insurance Surgery for more details and to be put in touch with insurers offering critical illness cover that fits your unique circumstances.

Income Protection Insurance

If you are running or supporting a household with bills to pay, it’s a good idea to consider Income Protection Insurance.

This is especially important for anyone living with HIV who is self-employed and doesn’t have access to sick pay. Income Protection can reduce the stress of paying rent, mortgage or monthly bills.

Lupus Life Insurance

Treatments Available For Lupus

There is no cure but treatments can ease symptoms:

Avoid overexposure to sunlight which can make symptoms worse
Non-steroid based anti-inflammatory drugs are often prescribed
Hydroxychloroquine can be used to alleviate symptoms of SLE, such as rashes, joint and muscle pain, and fatigue

Lupus Statistics UK

Systemic Lupus Erythematosus (SLE) affects around 15,000 people in England and Wales

around 90% of those with Lupus are female

The most common age range is 15-50

Lupus is more common in those from an African or Asian decent

Around 1 in 3 people with SLE will go on to develop Lupus Nephritis (usually within 5 years of diagnosis)

Do You Need Life Insurance?

If you’re the primary breadwinner or share financial responsibilities, a life insurance policy can help your family maintain their standard of living in the unfortunate event that you’re no longer around to support them.

Life Cover Terminology

Understanding life insurance terminology is essential for policyholders to make informed decisions about their cover, we have broken down the meaning for some of the most used terms.

Useful Links

Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

We take pride in the experience that we offer, guaranteeing excellent service at all times.

25 years Experience.

With 25 years of specialist life and protection experience, we can find the perfect policy for you.

Access to a range of insurers.

With a broad selection of partners, we are well-equipped to find the best insurance deals for you.

Award-winning broker.

Known for making insurance simple, The Insurance Surgery is a trusted, award-winning broker.

Benefit from Our Life Insurance Policies Today.

Relax, knowing that your family can receive the financial support that they need after you pass, and trust The Insurance Surgery to guide you through the life insurance process. With 25 years behind us, we are a trusted broker known for our expertise, prioritising transparency, and providing excellent customer service. So, rely on us to ensure you receive the cover you need at a fair and affordable price.

For a life insurance quote, contact us today on 0800 083 2829 to schedule a free consultation and take the first step towards protecting yourself and your loved ones financially.

Understanding Inheritance Tax (IHT) and Life Insurance

Understanding how IHT works and the ways to mitigate its impact can help you plan and ensure that your loved ones don’t face unexpected tax bills.

How Much Does Life Insurance for HIV Cost?

Since the introduction of Highly Active Antiretroviral Therapy (HAART), premiums for those living with HIV have significantly reduced over the last 15 years. The amount you pay each month in policy premiums depends on your specific circumstances. When assessing your application, insurers will take into account factors such as your CD4 count and viral load.

Our experts will help you find the best deal to suit your needs and budget, taking the time to go through the different policies and discuss any concerns you may have.

For a clearer idea of the average cost of life insurance, visit our Guide.

Life Insurance with HIV Case Study 1

James is 31 years old and was diagnosed with HIV in 2017. He wanted to obtain both life insurance and critical illness cover to support his wife and child should anything happen.

We found James Life Insurance & Critical Illness Cover below:

Total Cover
Amount:

£40,000

Monthly Premium
Cost:

£22.41

Duration of
Policy:

30 years

Life Insurance with HIV Case Study 2

Jean is aged 45 and was diagnosed with HIV in 2011. She is keen to secure level life insurance for her and her partner.

We found Jean the Level Life Insurance below:

Total Cover
Amount:

£160,000

Monthly Premium
Cost:

£15.23

Duration of
Policy:

20 years

How much cover do you need?

You can use our Cover Calculator below to determine how much cover you need. Additionally, you will need to take into consideration the following:

Any outstanding debts

Mortgage/rent

Number of dependants

Take-home pay or income from other sources

Speak to our team of experts for FREE
specialist advice today.

Monday to Thursday:

9:00am – 8:00pm

Friday:

9:00am – 3:00pm

Facts About Life Insurance.

Life insurance can serve multiple purposes, including income replacement, wealth transfer, estate planning, and business succession. But how does life insurance shape up with the UK population?

7.5 million families

in the UK have no life insurance or critical illness cover.

£40,000

The average life insurance policy in the UK covers only about £40,000.

28%

of UK adults believe life insurance is too expensive.

96.9%

of all protection case claims were paid in 2024

Life insurance is unique – just like you.

Life Insurance for Parents

Life Insurance for Dads

Life Insurance for Sports & Hobbies

Life Insurance for Self-Employed

Income Protection

Life Insurance for Smokers

Price Promise.

Obtain a cheaper quote elsewhere, we’ll beat
the price and also give you a £50 gift card!*

We are committed to offering unbeatable prices. Our
Price Promise ensures that we will find you the right
cover for your circumstances.

Frequently Asked Questions

Will having Lupus make my Life Insurance more expensive?

Life Insurance applications from a customer with a pre-existing condition such as Lupus are assessed on an individual basis. This means any increase in costs is reflective of your personal situation. The experienced specialist advisors at The Insurance Surgery are knowledgeable about where best to try for a policy depending on your condition and can look across the market for the right policy for you.

Will I be able to get Critical Illness Cover?

Your advisor will be able to let you know if this is an option based on how Lupus affects you.

I have previously been declined cover will this cause a problem with a new application?

A previous decline doesn’t affect any new application. The Insurance Surgery are experienced in applying for Lupus Life Insurance and can approach the providers they know will look more favourably on your condition.

Why should I apply through a specialist broker?

The Insurance Surgery have been obtaining life insurance for people with pre-existing conditions for over 16 years so have a wealth of knowledge on what is available in the market. We put in the hard work behind the application so you don’t have to.

Is Lupus a Critical Illness?

A fair number of providers will pay out a claim for Critical Illness cover if you’re diagnosed with SLE (Systemic Lupus Erythematosus).

If you already have SLE then it could be quite difficult for you to secure Critical Illness cover.

For those with Discoid Lupus Erythematosus, you’re more likely to receive Critical Illness Cover.

For More Information, Check Out Our Latest Blogs

Stay informed with the latest updates in the insurance industry for 2025 here.

We aim to provide clear advice, breaking down the jargon, so you understand the importance of protection insurance.

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By Policy

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Life and Health Insurance for Business

Specialised Business Insurance

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Lupus Life Insurance

What Is Lupus Life Insurance ?

Fatigue – Tiredness even after plenty of sleep and just carrying out daily tasks

Joint pain – Typically in the hands and feet. These pains do not cause progressive damage to the joints

Rashes – Most often on the face, wrists, and hands. One common form is across the bridge of the nose and cheeks and is often known as a ‘butterfly rash’. These can last for just 14 days or be permanent. Sometimes rashes are painful and itchy.

Risks Associated With Lupus.

Pre-eclampsia

Miscarriage

Stillbirth

Premature birth

How Lupus Life Insurance , critical illness cover and income protection works:

When you were diagnosed

Type of Lupus

What treatment you have received / medications / hospitalisation

When and how you suffer from symptoms

Critical Illness Cover

Income Protection Insurance

Lupus Life Insurance

Treatments Available For Lupus

Lupus Statistics UK

Life Cover Terminology

Useful Links​

Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

25 years Experience.

Access to a range of insurers.

Award-winning broker.

Benefit from Our Life Insurance Policies Today.

How Much Does Life Insurance for HIV Cost?

For a clearer idea of the average cost of life insurance, visit our Guide.

Life Insurance with HIV Case Study 1

Total Cover Amount:

£40,000

Monthly Premium Cost:

£22.41

Duration of Policy:

30 years

Life Insurance with HIV Case Study 2

Total Cover Amount:

£160,000

Monthly Premium Cost:

£15.23

Duration of Policy:

20 years

How much cover do you need?

Any outstanding debts

Mortgage/rent

Number of dependants

Take-home pay or income from other sources

Speak to our team of experts for FREE specialist advice today.

Monday to Thursday:

Friday:

Facts About Life Insurance.

7.5 million families

in the UK have no life insurance or critical illness cover.

£40,000

The average life insurance policy in the UK covers only about £40,000.

28%

of UK adults believe life insurance is too expensive.

96.9%

of all protection case claims were paid in 2024

Life insurance is unique – just like you.

Life Insurance for Parents

Life Insurance for Dads

Life Insurance for Sports & Hobbies​

Life Insurance for Self-Employed

Income Protection

Life Insurance for Smokers

Price Promise.

Obtain a cheaper quote elsewhere, we’ll beatthe price and also give you a £50 gift card!*

Frequently Asked Questions

For More Information, Check Out Our Latest Blogs

Monday to Thursday:

Friday:

Useful Links

Total Cover
Amount:

Monthly Premium
Cost:

Duration of
Policy:

Total Cover
Amount:

Monthly Premium
Cost:

Duration of
Policy:

Speak to our team of experts for FREE
specialist advice today.

Life Insurance for Sports & Hobbies

Obtain a cheaper quote elsewhere, we’ll beat
the price and also give you a £50 gift card!*