Guide to Affordable Rates for Life Insurance Coverage with Lupus

Life Insurance With Lupus 


Impact on  Underwriting Class:

Significant 

Standard Rates Possible

Table Ratings Likely

Rate impact based on sevrity and

frequency of flare history, any 

complications, prescription drugs 

While you may know about the day to day effects of living with Lupus, you may not know how it will affect your life insurance application. The eight questions and answers below  are a good start to getting a handle on the issue.  For more in-depth answers, just follow the links and keep reading.

Frequently Asked Questions

Can I be approved for life insurance with Lupus?

What information will  life insurance companies want to know?

Will I need to take an exam for Lupus life insurance?

How much will my life insurance cost and how exactly are my rates affected by my Lupus diagnosis?

How accurate are the quotes I get from your quote tool? 

What are the best life insurance companies for Lupus survivors? 

What is the application process for life insurance Lupus?

How can i improve my underwriting rating and lower my life insurance cost?

When applying for life insurance with Lupus, carriers will want to know as much as they can about the risk they are being asked to insure. This is no different than how the carriers deal with any other condition like high blood pressure and Atrial Fibrillation or lifestyle choices like marijuana use or or scuba diving.

The purpose of this article is to provide a background on the information insurers will require of you, and answer any questions you may have about how to obtain life insurance with Lupus at the best price possible.

Traditional Term Life Insurance with Lupus..

While it is not uncommon to see mild Lupus applications receive  standard rating, it is also not uncommon to see offers  rated as substandard. However,  the severity of the rating can vary significantly, therefore it's important that you use an agent that is experienced with Lupus cases and has access to the carriers most likely to be receptive. 

The process of obtaining a term life insurance offer with a diagnosis of Lupus is similar to seeking  life insurance after a heart attack,  Sleep Apnea or AFib and many other specific conditions.

Primarily, term life insurance is available for lengths ranging from 5 years to 30 years with 20-year terms being the most popular. Term policies usually have a minimum face amount of $50000, and the policies terminate at the end of the term period or can be renewed annually at a vastly increased rate.

Things to Know About Term Insurance

Riders

In addition to the period of insurance, it is essential to understand the available policy riders. Riders are additional benefits that, often for an additional cost, are included in your policy.

The five most prominent riders are listed below with links to in-depth descriptions.

  • Waiver of Premium          
  • Living Benefits      
  • Conversion Privilege    
  • Child Rider  
  • Additional Purchase Option

​​​​​​​​Contestability

While there is no waiting period for the insurance to go into effect, the insurance company has a two-year window from the policy start in which they can contest a benefit for material misrepresentation on the initial application. So, honesty is the best policy.

You can dive deep into the ins and outs of term life insurance, learning about available term lengths, riders, financial ratings, and rates. The Life Insurance Help Desk works with  the top term life insurance carriers.

​​​Lupus Life Insurance Underwriting for Term Life 

Applications for term life insurance with Lupus are treated very differently depending on the form of Lupus. However, both forms of Lupus need to be addressed when applying for term life insurance. 

Because applications for life insurance with lupus are evaluated on a case by case basis, your story matters. That is to say two people with the same age and condition may get vastly different offers from the same carrier based on age of diagnosis and patient compliance.

Because each case is different, the following pricing scenarios are the best estimates based on experience.

Best Case – If discoid lupus is detected early, symptoms are under excellent control and no complications with SLE ruled out, many cases can receive a preferred rating.

If Systemic Lupus Erythematosus (SLE)  cases are under excellent control and no damage to affected organs (particularly Liver & Kidney) has occurred, rare cases have a chance for a standard rating. The more common rating is table 2/B.

Mid Case –If your discoid lupus seems to be mild with only the use of NSAID drugs and good compliance but less than 3 years since diagnosis you may be looking at a mild substandard rate. You calculate this rate by multiplying the standard rate by 1.5 (Table 2/B).

If your If Systemic Lupus Erythematosus (SLE) requires heavy maintenance drugs or was diagnosed less than 3 years ago, the rating you will likely receive will be between table 4/D-8/H  

To learn about how table ratings work click here.

Severe Case – If your lupus has recently flared and you have inflammation of organs or severe anemia the you will likely be declined for term life insurance.

* while expensive this is still a very good outcome for the circumstances

Decline– For a severe case you may be declined for traditional coverage. If this is the case you may be eligible for a smaller face amount policy. These policies are referred to as Guaranteed issue or simplified issue. If you have been declined please contact us.

Lupus Life Insurance Rates for Term Policies

At the top of this article we stated  that any body can be approved for affordable life insurance with lupus. Note, however, we mention “affordable” rather than "inexpensive" or “low cost". The reason for the distinction is that all too often, life insurance with Lupus is not cheap life insurance.

In fact, because the coverage can be  expensive on a per benefit dollar basis, the benefit is often reduced to make the life insurance affordable.  While this is often not an ideal situation, the truth is we all have to live within our budgets, and sometimes the way to make life insurance with Lupus affordable is to  reduce either the term of coverage or the benefit amount. 

The basic mechanics of term life insurance are pretty straightforward. As long as the policy premium is paid by (or for) the insured, and the policy is in force, the beneficiary will receive the death benefit upon the insured's death. 

Some sample term life insurance pricing with Lupus:

Male

$500000 20 Year Term

Age

standard

Table  B

Table D

25

$37.24

$43.73

$56.57

30

$37.82

$46.78

$60.90

35

$38.74

$50.95

$66.09

40

$59.60

$74.36

$97.42

45

$94.63

$119.68

$157.85

$100000 10 Year Term

Age

standard

Table B

Table D

50

$23.017

$31.46

$39.90

55

33.08

$46.55

$60.03

60

50.57

$73.01

$95.63

65

78.75

$115.06

$151.38

70

146.46

$204.35

$270.75

Female

$250000 10 Year Term

Age

standard

Table  B

Table D

25

$1392

$17.045

$21.00

30

$14.53

$17.04

$21.00

35

$14.19

$18.92

$23.555

40

$18.92

$22.90

$28.81

45

$26.25

$33.29

$42.67

$200000 20 Year Term

Age

standard

Table  B

Table D

50

$48.88

$70.045

$91.19

55

$71.31

$100.57

$132.38

60

$116.085

$163.05

$215.68

65

$206.76

$291.3175

$386.70

70

$431.29

$541.3229

$719.51

confused

The trickiest part of term life insurance with a health condition like lupus is finding the best deal. This is because different carriers have differing appetites for certain kinds of risks. As

a result navigating this process is not as easy as using a quote tool and picking the lowest price. This is discussed in detail in the case study below.

The Best Life Insurance Companies for Lupus Applicants

Life insurance companies have differing appetites for specific risks. These appetites are reflected in underwriting and ultimately pricing. Simplified issue carriers will be state dependent and  three of the better known term carriers for dealing with Lupus are Prudential, American General (AIG), and Banner.

 However, risk appetite can, and does, change and the only way to guarantee the best possible deal is to work with an experienced independent agent. see the case study here to get a clear understanding.

Exam

Although the term life insurance market is quickly adopting accelerated underwriting programs that do not require a medical exam as part of the application process, this option will not be available if you have been diagnosed with systemic Lupus. * There will likely be no exam options for a mild discoid lupus diagnosis.

The exam is a 15-20 minute meeting with a  nurse. Your exam will consist of a blood draw, a urine sample, and height and weight recorded. The exam can be done at home or work.

The medical exam is discussed in detail here. 

Phone Interview

Most term carriers will have the underwriting department do a telephone interview with you. The In the case of Lupus the conversation will be wide-ranging, and last about 20 minutes.

The purpose of the interview will be to flesh out the information that it has from your exam, medical information, and driving history. Questions will often revolve around lifestyle. Answer as honestly as possible, but never "offer" unnecessary information.

Riders

In addition to the period of insurance, it is essential to understand the available policy riders. Riders are additional benefits that, often for an additional cost, are included in your policy.

The five most prominent riders are listed below with links to in-depth descriptions.

  • Waiver of Premium          
  • Living Benefits      
  • Conversion Privilege   
  • Child Rider  
  • Additional Purchase Option

Contestability

While there is no waiting period for the insurance to go into effect, the insurance company has a two-year window from the policy start in which they can contest a benefit for material misrepresentation on the initial application. So, honesty is the best policy.

You can dive deep into the ins and outs of term life insurance, learning about available term lengths, riders, financial ratings, and rates. The Life Insurance Help Desk works with almost all of the top term life insurance carriers.

Life Insurance Coverage with Lupus: What Carriers will Take into Consideration

Life insurance underwriters will generally be concerned with 5 general questions

  • Do you fit into the usual risk factors for the condition
  • What are/were your symptoms
  • What was the Diagnosis & Treatment
  • What is the aftercare (follow up & compliance)
  • What is your health like apart from the condition/history in question

While the outline above is general in form , the questions will require specific answers. These answers will be gathered from your application, a telephone interview, the Medical Information Bureau, a Script Check, and an Attending Physicians Statement (APS).

Lets look at the general areas of inquiry one at a time.

Do you "fit" into the usual risk factors for the Condition

Because lupus is not common and often mis-diagnosed underwriters will scrutinize symptoms more closely than most files.

Underwriters tend to be  more comfortable with making offers when the  applicant's condition  fits into a common risk factor pattern. If the condition doesn't fit, there as a concern that something else is at play. When this is the case, underwriters will try to allay their fears by taking a harder look at the file.

What are/were your symptoms

When underwriting life insurance with lupus, carriers will want to know the symptoms you had (if any) and how long you had them before the diagnosis.

Lupus can range from mild to life-threatening. The Mayo Clinic lists the following symptoms as the most common:

  • Fatigue and fever
  • Joint pain, stiffness and swelling
  • Butterfly-shaped rash on the face that covers the cheeks and bridge of the nose
  • Skin lesions that appear or worsen with sun exposure (photosensitivity)
  • Fingers and toes that turn white or blue when exposed to cold or during stressful periods (Raynaud's phenomenon)
  • Shortness of breath
  • Chest pain
  • Dry eyes
  • Headaches, confusion and memory loss

Your Diagnosis and Treatments

Life insurance underwriters will want to know the date of first diagnosis and of any subsequent major flare-ups. Underwriting will also want to know what medications you have been prescribed for lupus.

The list of most common pharmaceutical drugs prescribed for Lupus is highly dependent on the severity of the case. For mild cases the most common medications are as follows:

  • Acetaminophen or nonsteroidal anti-inflammatory drugs (NSAIDs).
  • Antimalarial drugs such hydroxychloroquine (Plaquenil).
  • Low-dose corticosteroids and/or corticosteroid creams or ointments.
For more serious cases of Lupus the list is filled with much more powerful drugs. You won’t find this stuff over the counter at CVS! For a detailed look at these drugs and potential side effects visit WebMD.
  • Corticosteroids
    • Prednisone
  • Immunosuppressive medicines
  • Azathioprine
  • Belimumab
  • Cyclophosphamide
  • Methotrexate
  • mycophenolate mofetil.
  • pills

    While information that is "foggy" will be taken from your medical records, knowing the dates of diagnosis and treatments is necessary to get an accurate quote.

    Your Follow Up Care

    When evaluating  life insurance with lupus applications, underwriting will want to see compliance with prescription medication and any follow up requirements including doctors appointments.

    Follow up for lupus patients often includes dietary changes as well as supplements.

    Your Over all Health (and related conditions)

    While any application for life insurance will take into consideration your overall health including conditions like high cholesterol and gout, underwriters in lupus cases will specifically look for certain related conditions.


    For an excellent resource on Lupus in general and diseases that are connected to or overlap Lupus specifically, visit MollysFund .

    The most common connected or overlapping diseases are listed below.

    • Scleroderma
    • Rheumatoid Arthritis 
    • Mixed Connective Tissue Disease
    • Raynaud’s Syndrome
    • Sjogren’s Syndrome

    Obtaining Term Life Coverage with Lupus

    With a couple of caveats, the process of obtaining life insurance is essentially the same for everyone regardless of health.

    The primary caveats with lupus are that no exam or so called “non-med” policies will  be limited to discoid cases. Additionally, an attending physician's statement (APS) is guaranteed to be requested in SLE cases.

    The APS can slow the process as doctors are in no hurry to respond to requests from life insurance companies.

    The information that you will be required to provide in order to get the most accurate quote is as follows:

    1. Date of Diagnosis
    2. Age at Diagnosis
    3. Affected Systems
    4. Treatments Undergone
    5. Dates of Treatments
    6. Severity of Symptoms
    7. Other Health Issues

                Key Takeaways

    • The process for obtaining life insurance is the same with lupus as any other condition..
    • Your doctor will most likely have to submit an attending physicians statement (APS).
    • Providing  detailed & accurate information is the only way to get an accurate quote.

    Case Study: Pricing Life Insurance Rates with Lupus

    Please see the case study below . it will show why it is in your interest to have as many options as possible available when shopping for life insurance with Lupus or any other impairment.

    Gender: Female Age: 29

    $1000000 20 Year Term

    Tobacco: No

    Well controlled mild Discoid Lupus. Diagnosed Age 23

    NSAID only No Other Health Concerns

    This looks like a best case scenario that would be either standard or Table 2/B or 4/D depending on the insurers appetite for a Lupus risk.. Let’s take a look at the rates.

    This table which shows only a few of the major life insurance companies available illustrates the difference in rates.For standard rates Lincoln is 35% more expensive than Banner.

    On it’s face this seems like a pretty straight forward choice and if underwriting grades between carriers is the same, it really can be that simple. This kind of easy price shopping is particularly useful for younger folks in good health and demonstrates why you want to use an independent Agent.

    For people who suffer from Lupus or any other serious diagnosis, it gets much more complicated.

    Because life insurers manage their appetite for specific risks by being more lenient or more stringent with underwriting grades, you need to know which company will grade you a standard or table 2 risk and which ons will grade you as table 4-6.

    In the case above Prudential (one of the more expensive standard rates) is likely to be the best deal because the more competitively priced carrier will likely rate the risk table 4 while Pru might well go standard.

    This is something you can’t know by simply looking at the lowest price. In this case using an independent agent could save you 29% (the difference between Prudential @ standard and AIG @ Table 4).

    * Note that while overfunded ‘investment grade" permanent policies are excluded from this review, such policies generally follow the term life insurance guidelines.

    It's worth noting that a few of the prominent carriers that offer these products have "healthy lifestyle" credits that "table shave" ratings by as much as 2 tables.

    For example, a discoid lupus case that was rated table 2/B could be "table shaved" back to a standard rating. Table shaves are not offered on term products.

    Process for Term Life Application with Lupus

    Now that you know the information you will need to receive the most accurate term life insurance quote possible, it's time to begin the application process. The term process is outlined  "step by step for you in the Life Insurance Buying Guide.

    The Help Desk is committed to transparent pricing (we'll even share our computer screen with you if you'd like) and making the application process as painless as possible.

    Burial Insurance with Lupus

    Approved!That was Easy.

    Some final expense or "burial insurance carriers are not concerned with systemic Lupus. In fact, they don't even ask! These "no-exam needed" burial policies are the next best choice for anyone who will not get through traditional underwriting.

    The "final expense" market serves differing consumer needs. There is the need that is made obvious by the name "final expense". This term refers to a funeral, burial and miscellaneous cost tied to the rituals surrounding life's end.

    Many of the buyers of these end of life policies simply want to remove any financial burden their funeral and burial would cause to their loved ones, while others want to leave a legacy.

    Alternatively, the simplified issue marketplace serves as a safe harbor for people who need some life insurance, but cannot qualify for traditional term underwriting. The lenient underwriting standards of this market allow for people with severe rheumatoid arthritis to get coverage.

    How the policy works will be dictated by the type of final expense or burial policy it is:

    • First-day Coverage  
    • Graded Coverage

    How Final Expense Life Insurance Works with Lupus

    With death benefit face amounts that range from $5000-$100000, the simplified issue or "final expense " life insurance market is mostly made up of whole life insurance products. However, there several policies that have components of term policies starting to emerge. Make sure you know what you are buying!

    Whether term or whole life, the calculation of the death benefit depends on if the policy is first-day coverage or graded

    First day policies are straightforward, and provide a full death benefit from day 1 of the policy.

    Graded policies use a two or three year period in which the benefit increases to the face amount over the contractual time period.

    These policies commonly pay premiums plus interest if you die in the first year of the policy; 50% if you die after one year but before two; and full face amount after two years.

    The carriers offer graded policies based on the applicant's health. These provisions are a way for the carriers to provide coverage while limiting their risk.

    Graded or not, a whole life policy has a fixed premium that cannot increase and the policy stays in force until the premiums stop being paid or the insured dies.

    Pricing and  Rates for Burial Insurance with Lupus

    In addition to different underwriting standards, final expense pricing is complicated by the fact that  a lot of providers only operate in certain states. 

    As a result the samples below are of limited value. You should use the final expense quote tool found here.

    ​​​Male      

    $25000  "Final Expense" Whole Life   1st Day Coverage 

    Age

    $ Mo.

    Age

    $ Mo.

    40

    $40.89

    65

    $ 115.18

    45

    $ 50.87

    70

    $ 149.13

    50

    $ 56.25

    75

    $ 204.66

    55

    $ 65.56

    80

    $ 297.86

    60

    $ 85.66

    85

    $414.57

    $15000 Final Expense" Whole Life Graded Coverage

    Age

    $ Mo.

    Age

    $ Mo.

    40

    $40.89

    65

    $ 115.18

    45

    $ 50.87

    70

    $ 149.13

    50

    $ 56.25

    75

    $ 204.66

    55

    $ 65.56

    80

    $ 297.86

    60

    $ 85.66

    85

    $414.57

    Female    

    $15000  "Final Expense" Whole Life  1st Day Coverage 

    Age

    $ Mo.

    Age

    $ Mo.

    40

    $ 23.49

    65

    $41.27

    45

    $ 28.56

    70

    $ 56.77

    50

    $ 23.69

    75

    $ 90.38

    55

    $ 27.83

    80

    $ 131.260

    60

    $ 31.95

    85

    $ 202.25

    $10000 "Final Expense" Whole Life Graded Coverage

    Age

    $ Mo.

    Age

    $ Mo.

    40

    $ 21.06

    65

    $28.967

    45

    $ 25.18

    70

    $ 39.30

    50

    $ 17.249

    75

    $ 89.618

    55

    $ 20.003

    80

    $ 117.89

    60

    $ 22.755

    85

    $ 179.22

    No Exam, but possibly a phone interview

    Many burial policy insurers will have 10-15 minute home office interviews using the telephone. They are looking for the use of prescriptions that do not come up on their prescription check and assessing cognitive function.Be alert!

    Final Expense Policy Features

    There are fewer riders associated with simplified issue policies than traditional term, but living benefits such as the accelerated benefit for terminal illness, and chronic illness are fairly common. Additionally, some final expense policies have a small cash component and have loan provisions.

    Contestability

    The contestability laws are the same for all types of life insurance policies. That is, the carrier has two years from the origination of the policy to contest the benefit payout on policy where the application contained material misstatements.

    What Final Expense  Life Insurers Will Take Into Consideration with Lupus

    As stated before, simplified underwriting is seldom concerned with discoid Lupus. Systemic Lupus (SLE)  is a "knock out " question for some final expense carriers, but not others.  Unlike traditional underwriting that grades on a scale, "final expense" is a yes or no proposition.

    Note that "yes" is divided into first-day coverage and "graded" categories. The best systemic Lupus  offers are generally not "graded". So, full coverage would begin on day 1.

    Final expense policies contain "knockout" questions and prescriptions.Since Lupus is not a question on many these policies, the only way to get ‘knocked out" is if you answer yes to a different "knockout" question....or your Lupus drug is associated with a "knock-out" disease. This is a circumstance that your agent can help with.

    Knockout questions tend to revolve around heart attack, stroke, cognitive function, insulin use, amputations and some of the heavy drugs these conditions require for treatment.

    Next Step For Final Expense with Lupus

    Because most final expense underwriting rules differ wildly, it's unusual that you can just go to the final expense quote tool and start.However, unless you have other conditions, that is exactly how to start.​

    Because SLE Lupus is a  decline or "knockout" with severalmany carriers, the best price may not win. Remember to use the quote tool on the "final expense" page The quote tool on this page is limited to term quotes.

    Upon receiving your quote request, we will be in touch as soon as possible (often in minutes), and we will help you through the process. The whole process shouldn't take more than 30-40 minutes.

    We are committed to a transparent pricing process and are happy to share a computer screen with you or send a video of the method used to get your rate. If you have any questions, please contact us.

    Lupus Guaranteed Life Insurance 

    As a stand-alone condition, Lupus does not require the use of guaranteed life insurance.  The only time that an applicant would need to go the guaranteed route is if the Lupus was paired with a condition that could not qualify for graded a final expense policy.

    If this describes your situation, keep reading.

    Pricing for Guaranteed Issue policies  

    Guaranteed policies should only be used as a last resort. In addition to the benefit grading provisions that make the policies toothless during the two or three year grading period, they are the most expensive policies sold.

    ​​​Male                               Monthly Payment

    Age

    $10000

    $25000

    50

    $44.097

    $108.856

    55

    56.50

    $138.24

    60

    63.17

    $154.92

    65

    73.09

    $179.73

    70

    93.14

    $229.85

    Female                            Monthly Payment

    Age

    $10000

    $25000

    50

    $34.47

    $84.79

    55

    $39.86

    $96.64

    60

    $45.14

    $109.84

    65

    $54.51

    $133.27

    70

    $70.41

    $173.03

    How Guaranteed Life Insurance Works

    With only the requirement of age (40) and citizenship, guaranteed issue life insurance policies have a death benefit that ranges from $5000-$50000. Such plans are exclusively whole life insurance.

    However, all guaranteed issue policies are "graded".  Generally, the grading represents a 2 or 3 year period that the policy must be in force before a full death benefit will be paid.

     Like "final expense" policies, guaranteed policies use a two or three year period in which the benefit increases to the face amount over the contractual time period. These policies commonly pay premiums plus interest if you die if you die after one year but before two; and full face amount after two years.

    Also, like the "final expense" write up says, these provisions are a way for the carriers to provide coverage while limiting their risk.

    No Exam Required on guaranteed policies

    There is no exam for guaranteed life insurance. After all, it's guaranteed to be issued regardless of your health.

    Contestability on Guaranteed issue policies

    Although the contestability laws are the same as other policies, beyond age and citizenship, it's difficult to see where contestability may arise in a guaranteed issue case.

    Next Steps for Guaranteed Issue Policy with Lupus

    The guaranteed issue process is lightning fast and can be handled over the telephone in a matter of minutes. Give us a call or email us.

    Why You Should Use an Independent Agent when Shopping for Life Insurance with Lupus

    In addition to reassuring you that life insurance is attainable with Lupus, this article pointed out that insurance companies have different pricing and underwriting standards from one another.

    Furthermore, these underwriting differences are a reflection of the company's appetite for a specific health risk. For example, Prudential Financial may have more of an appetite for the risk that SLE  presents than say, Banner.

    In this case, the underwriting grade will reflect this increased appetite.So, if your Agent only represented one carrier and you found out later that you could have gotten a rate 35% or 45% better, how would you feel? You'd probably be sad like the puppy or mad at the agent or yourself or both.

    So it's crucial that your Agent represent multiple carriers. In fact, most good independent agents will have access to over 40 or 50 carriers. This ensures the best chance at the best rate.

              Key Take Aways

    • Access to more carriers will result in better pricing.
    • It may be worth paying slightly more if there is a strong permanent conversion product.
    • Only independent brokers have the freedom to offer the best deal at all times.

    Thank you for choosing the Life Insurance Help Desk to research life insurance with Lups. We are committed to a totally transparent process (we'll even share our computer screen with you if you'd like), and making the application process as painless as possible.

    Should you have any question, please do not hesitate to give us a call or contact us via email.

    Fast facts About Lupus

    life-insurance-with-lupus

    Lupus is known as the “great Imitator” because it can be really hard to diagnose. Mis-diagnosis are common as no single test can confirm the diagnosis.

    The misdiagnosis problem is often compounded by false positives when testing for afflictions with similar symptoms.

    The Lupus Foundation list the conditions diseases commonly confused with Lupus as:

     The Lupus Foundation estimates that at least 1.5 million Americans have lupus. However, there have been no large-scale studies to show the actual number of people in the U.S. living with lupus.

    More than 16,000 new cases of lupus are reported annually in the U.S.. It is believed that 5 million people throughout the world have a form of lupus.

    Lupus strikes mostly women age (15-44). However, men, children, and teenagers develop lupus, too.

    Women of color are two to three times more likely to develop lupus than Caucasians.

    The word “lupus” is latin for “wolf” because the facial lesions were described by early researchers as looking like a wolf bite. Lupus has been on the mind of medical researchers since the early 1700’s.

    Some really famous people have suffered from Lupus. Among them are:

    Singer Michael Jackson, Television personality Charles Kuralt., and Singer Lady Gaga

    Lupus-and-life-insurance
    lupus-and-life-insurance

    Keywords: Life insurance with Lupus, Lupus life insurance, lupus life insurance underwriting, lupus life insurance rates, Discoid lupus life insurance, life coverage for Lupus, affordable lupus coverage. lupus life insurance with no exam, no exam lupus coverage, SLE









    Last Updated on

    James Tobin, CFP
     

    Jim Tobin is the owner of Life Insurance Help Desk, a Fairfield County, CT. life insurance agency. You can find him on Google + and Facebook. Over the past 10 years, Jim has used his CFP-financial planning designation to help individuals with their life insurance needs. In addition to working with life insurance clients, Jim teaches ESL classes in his spare time. He resides with his beautiful wife Nicole and the 3 cats that rule their lives..