Chris and his team work with clients across the country to help them navigate the insurance and financial world. His mission is to help people and businesses have the protection they need at the lowest possible price. He works on behalf of his clients and not the insurance companies. When not researching the latest financial and insurance topics, Chris can be found spending time with his family...

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Written by Chris Abrams
Licensed Life Insurance Agent Chris Abrams

Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Jun 28, 2022

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Finding a life insurance policy to fit your needs is a daunting enough task without an autoimmune disease. It is possible, there are low-cost insurance policies available to you.

Our mission is to help you get approved for life insurance at the lowest possible cost.

You are not alone in your search for life insurance. There are questions to answer, and a few companies will ask for a health exam.

An independent life insurance agent will have a list of companies to select from. Within that list are companies that do not ask for a medical exam.

What is an autoimmune disease?

An autoimmune disease or disorder is the body’s immune defenses turning against itself. The immune system attacks healthy tissues for no apparent reason.

There is no identified cause for autoimmune diseases as yet. Science may one day find an answer.

There are 80 or more autoimmune disorders that affect individuals with no age discrimination:

  • Multiple sclerosis
  • Rheumatoid arthritis
  • Hashimoto’s Thyroiditis
  • Grave’s Thyroiditis
  • Lupus
  • Type 1 diabetes
  • Pernicious anemia

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Symptoms of Autoimmune Disease

The symptoms will vary according to the autoimmune disorder; however, there are a few that are common.  These may include:

  • Fatigue
  • Fever
  • Pain in the joints
  • A general sense of being ill
  • Rashes

For many, these symptoms may range from mild to intense. These symptoms alone do not determine if you have an autoimmune disorder. You should have a doctor run a series of tests to clarify the reason for your symptoms.

Types of Tests a Doctor May Request

A doctor will conduct a physical exam while you are in the office.  Checking blood pressure, listening to your heart and lungs, and taking a temperature are only a few of the primary steps. Discuss with your doctor how you feel physically, emotionally, and mentally.

Your doctor should order blood tests, perhaps even urine tests. Many infections can cause similar symptoms. These will have to be ruled out, of course. Blood tests may include the following:

  • C-reactive protein
  • Antibody tests
  • Erythrocyte sedimentation rate (measures level of inflammation)
  • A complete blood count (red blood cells, white blood cells, hemoglobin, etc.)
  • A comprehensive panel (may include tests for liver, kidney, and other organ health)
  • Urinalysis (infections such as kidney or bladder)

Many of these tests are to determine the health and functioning of your organs. These tests do not always determine if you have an autoimmune disorder. Your doctor may request further blood testing, ultrasound, or x-rays.

A Diagnosis of an Autoimmune Disease

Receiving a diagnosis of an autoimmune disease does not mean that you are beyond health. A treatment protocol is a next step.  Determining the best course of action to live a long and healthy life is a discussion you and your doctor will have.

Medications, diet, exercise, and emotional support are included in your lifestyle plan. Changes will have to occur in your life to support healing. Nutritionists and pharmacists are good sources of information.

Getting the information required to make a decision is important. Life insurance is an important part of your lifestyle change plan.

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Determine Which Life Insurance Plan Will Serve Your Needs

Finding the right plan, and getting life insurance for an autoimmune disease, may seem like a daunting task. However, pre-existing conditions do not have to prevent you from obtaining coverage options.

Searching the internet, reading the terms and conditions, requesting quotes, and reading all that information is exhausting and enough to make anyone pass. One solution is to use an independent life insurance agency.

Independent life insurance agencies have established relationships with many of the major life insurance companies. These agents are familiar with and well educated about what companies will approve you for autoimmune disease coverage.

They will discuss your medical conditions, and your health situation, answer questions about the policy and help you determine what is affordable. They can assist you in finding the most competitive rates for your needs.

There are several types of life insurance policies:

  • Term Life
    • Term insurance: covers a specified period of time
    • Mortgage life insurance: insurance coverage for secured loans
    • Group Life Insurance: coverage for a group, ex: employees, pension members
  • Permanent Life Insurance: lifetime coverage, accumulates cash value to the date of maturation
    • Whole life
    • Universal life
  • Endowments pay a lump sum at maturity or death.
    • Accidental death: limited life insurance
    • Senior and pre-need products: a newer type of policy, whole life insurance, making it more affordable for seniors to purchase.

There are several other options for life insurance, for instance, riders who modify a policy and are included when the policy is created.

Options vary according to the plan, cost, and restrictions, additions, which are determined by the type of insurance you are interested in. An independent agent will discuss each option with you.

How Insurance Companies Rate Your Condition

Insurance companies vary in the way they rate health conditions. Every health condition has its own unique challenges and course of treatment.

Where you are on your healing journey matters to life insurance companies. Actively seeking treatment and following a healthy lifestyle helps to keep your rates lower.

There are primary rating factors that each life insurance company will ask.

  • What is your exact diagnosis?
  • Is there a secondary diagnosis?
  • When were you diagnosed?
  • Were you hospitalized due to your disorder?
  • Are you taking prescribed medications?
  • Is your condition stable?

It is important to remember the more you participate in a healthy lifestyle the easier it is to obtain life insurance with a low fee.  Be honest with your independent life insurance agent.

There may be other questions your agent may ask regarding your health status. You may or may not have to take a health exam.

Find a Life Insurance Company

Finding life insurance policies to fit your needs is a challenge when facing it alone. Sorting through the information, requesting quotes, asking dozens of questions, and making sense of all the information available is a daunting task.

One you do not have to go through alone. Independent life insurance agencies are available to assist in your search.

By selecting an independent insurance company, you are using your search time wisely and affording yourself the opportunity to ask questions as you need to while receiving a personalized response.

With a huge selection of major insurance companies, the independent agent is well informed about which life insurers will ask you for a health exam. You will fill out one questionnaire, rather than several.

Your independent insurance agent will take the time to discuss with you the specifics of the life insurance policy, your life circumstances, plans, and goals for you and your family.

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Life Insurance With Autoimmune Disease: The Bottom Line

Finding the right life insurance policy is important, it should meet your goals, offer the coverage you require and protect your family.

Use the INSTANT QUOTE calculator on this page to get an idea of life insurance costs without needing to speak to an agent and without obligation.

If you are not sure how much coverage you require, use the life insurance calculator to determine the right amount of coverage.

We will help you save time and money on your life insurance if you have an autoimmune disease.