Sarcoidosis Life Insurance

If you have sarcoidosis, it may feel like finding the right life insurance is a struggle. I’m Insured are experts in finding the best cover at reasonable rates for those with specialist medical conditions.

Sarcoidosis and Life Insurance: what you need to know

When looking for life insurance with sarcoidosis, you may not know where to start and the application process may feel overwhelming or difficult. 

The good news is that finding life insurance with sarcoidosis is entirely possible. However, when looking for life insurance with a medical condition, it is best to be prepared and know exactly what the process will entail. 

From knowing why life insurance providers need to know about your sarcoidosis to the questions they will likely ask, it is important to have everything prepared for your application.

What is sarcoidosis?

Sarcoidosis is a rare condition which usually affects the lungs and skin. Sarcoidosis causes small patches of red and swollen tissue to develop in the organs.

Symptoms of sarcoidosis vary and are dependent on which organs the condition affects, but they typically include:

  • Tender, red bumps on the skin
  • Persistent cough
  • shortness of breath
  • Painful joints
  • Blocked or stuffy nose

For many people who have sarcoidosis, symptoms can improve without treatment over time. However, for some people, symptoms can gradually worsen and develop into chronic sarcoidosis. This condition is more severe and can affect day-to-day life for the individual.

There is no cure for sarcoidosis, however, the condition can be managed with over the counter medication such as paracetamol or ibuprofen. In more severe cases, steroid tablets are typically used to treat the condition.

How does sarcoidosis affect life insurance?

It is important to disclose accurate information about your medical history when applying for life insurance, if you have sarcoidosis it is important to include this.

Typically, as sarcoidosis is a pre-existing condition, life insurance providers will want to know more information about how severe the condition is and how it affects your daily life. 

Can I get life insurance with sarcoidosis?

It is possible to get life insurance if you have sarcoidosis or have previously been diagnosed with this condition. You may find that insurance providers increase your premiums, however, it is also possible to get life insurance at a standard rate if you have sarcoidosis. 

The cost of the life insurance is dependent on the individual life insurance provider and the factors they take into consideration. Each insurer has their own parameters, therefore, the cost is not necessarily standardised for sarcoidosis life insurance.

Why do insurers need to know about sarcoidosis?

Sarcoidosis is a long-term medical condition, if you have a diagnosis prior to or upon your life insurance application, insurance providers will need to know about your diagnosis.

They will also need to know about your sarcoidosis as this will be a factor that determines the type of cover they offer you and also the price of this cover.

Medical conditions such as sarcoidosis represent a level of risk, so this may mean that they add a loading to your insurance, depending on the information that you supply about your condition, i.e. the severity of your condition.

What information do you need to provide to insurers if you have sarcoidosis?

Whenever you apply for life insurance, there is a level of information that you are expected to supply an insurance company with – such as your height, weight, lifestyle, medical history and family medical history.

If you have sarcoidosis, this is a condition that your life insurance provider will want to know further details about.

The level of information you need to provide to insurance providers depends on the provider, however, you can expect to be asked the following questions about your condition:

  • The date of your sarcoidosis diagnosis
  • Any hospitalisations due to sarcoidosis
  • How sarcoidosis affects your life, e.g. any time off work due to the condition
  • Medication or treatment for sarcoidosis

The more detailed information you can include about your condition is better for your life insurance applications. Including accurate dates of any treatment, hospitalisation or flare ups with your condition can benefit your application.

Support with your sarcoidosis life insurance application 

Independent mortgage brokers can be useful for life insurance applications with sarcoidosis. Having expert knowledge of the industry and having experience in dealing means that it is likely they can find the most suitable life insurance, at the best price possible.

I’m Insured are an independent insurance broker with specialist knowledge in life insurance for people who have sarcoidosis.

If you have sarcoidosis, or have previously been diagnosed with it, you can contact the I’m Insured team or get your free insurance quote through our website.

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We can also help with putting your policy into trust.

That means you can nominate somebody to look after the money if you die and there’s a payout before you want the intended recipient to get the money. A common example is parents who want to have the payout go to a child only once the child turns 18 or 21. Putting a policy into trust also ensures that the payout goes to your intended recipient and can’t be seized by creditors if you have any debts when you die. There may also be tax benefits to putting a policy into trust.