Can I Get Life Insurance With Lupus? 
The rate that a company charges for a given age is determined by the mortality rate for that particular group . This group then is considered normal or standard . The underwriter is the person at the insurance company that determines if the particular risk , you , are standard . If your particular case is considered different than a standard risk , you might be offered rated insurance . This rating might be inconsequential , or it might be severe . In any case it uses available medical information and statistics to assign an appropriate rate . There are companies that will accept Lupus . You might have to contact a few to determine the best possible offer but by all means get into the process . Not having the insurance is a great deal more expensive . 