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Life Insurance Coverage with Lupus

Don't get discouraged if you've been turned down before. We specialize in finding life insurance for people with lupus.

As brokers, we do our best to find best life insurance for lupus patients. There are companies that will cover you, depending on what medications you are taking and other health circumstances.


It is a long-term disorder that occurs due to the body's self-attacking mechanism. The body produces immune bodies. These attack proteins in the human body. Attacks are not selective and can affect any organ or tissue. Lupus attacks the internal organs, joints and skin on many occasions.

A permanent attack of the immune system causes swelling. Permanent attacks destroy the organs of the body. About five million people worldwide live with lupus. Around 1.5 million patients live in the USA. Women are prone to lupus contributing to 90% of all lupus patients. Children, men and young adults can develop lupus. Lupus develops at the ages of 15 and 44.

Types of Lupus

There are five types of lupus:

  • Systemic lupus.
  • Cutaneous lupus
  • Drug-induced lupus
  • Neonatal lupus
  • Childhood lupus

Systemic lupus

It is the most popular form of lupus that affects several organs. SLE affects the internal organs, joints, nerves, and skin.

Cutaneous lupus

It is a disorder that affects the skin. It does not develop in SLE patients. 5% of cutaneous lupus develops into systemic lupus.

There are three forms of skin lupus;

  • Chronic cutaneous lupus
  • Subacute cutaneous lupus
  • Tumid lupus

Chronic cutaneous lupus

Scientists refer to it as chronic discoid lupus. CCLE causes abrasions on the head and neck. It causes abrasions in other areas that come into contact with sunlight. The swellings are round or oval and contain scales.

Subacute cutaneous lupus

This condition is sensitive to sunlight. It causes swelling in any region that comes into contact with sunlight. SCLE causes swellings that are pink or red. It causes rashes that clear up in the center.

Tumid Lupus

It is a rare form of Cutaneous lupus that is sensitive to sunlight. Swollen skin rashes on the body characterize this form.

Drug-induced lupus

This condition develops due to certain medications. It is common in families with a history of lupus. Drug-induced disease disappears months after stopping taking the drug. Some medications that cause symptoms of lupus include:

  • Hydrazine and methyldopa for hypertension
  • Procainamide for the treatment of heart disease
  • D-penicillamine treats metal poisoning.
  • Minocycline for the treatment of acne

Neonatal lupus

It occurs in babies born to mothers with some antinuclear antibodies. Antibodies include Anti-Ro, Anti-La or Anti-RNP. Neonatal lupus only affects the skin. Dry eyes and mouth may also occur in babies. In rare cases, it impairs blood flow in the heart. A pacemaker improves poor blood flow in the heart. Deaths due to heart damage in the uterus are rare. It disappears without treatment.

Childhood lupus

This is lupus, which affects children. Boys have a higher risk of childhood lupus than girls.

It affects the skin, joints and the essential internal organs.

Symptoms of Lupus

Symptoms depend on the subtype of lupus. They depend on the affected part of the body. The most common symptoms include:

  • Rashes after exposure to sunlight or UV light. A butterfly rash forms on the cheeks and along the edges of the nose.
  • Change of color on fingers and toes in cold and stressful times.
  • Ulcers in the mouth and nose
  • Hair loss
  • Joint pain, cramps and swelling
  • Pain in the groin.
  • Kidney disease
  • Muscle stiffness and swelling
  • Nerve problems
  • Dizziness, memory loss and confusion
  • Anxiety and depression in extreme cases
  • Hypertension and cholesterol
  • Swelling of lymph nodes and the linings of the heart and lungs.
  • High temperatures
  • Weight loss
  • Red eyes or poor eyesight
  • Dry eyes and mouth

Causes of Lupus

The exact cause of lupus is unknown. Some factors activate the immune systems, causing the disease. They include;

  • Medicines. Some medications predispose a person to drug-induced lupus. Medications include; hydrazine, methyldopa, procainamide e. t. c.
  • Virus infections. Cytomegalovirus and Epstein-Barr infections can cause the disease.

  • Hormonal changes. Extreme estrogen levels can trigger lupus.

  • Natural factors: Some factors are stress, smoking, toxins
  • Genetic makeup. Some genes like CRP or IL-10 expose a person more than others.

Risk Factors for Lupus

Gender: Women are more susceptible to this disease than men. This is due to high levels of estrogen in women than men.

Age: It develops more at 15-44 years

Inherited factors:

Families with a history of autoimmune diseases have a higher risk.

Origin: Some races are at higher risk. The races include Africans, Americans, Hispanics, and Asians.

Diagnosis of lupus

It is not easy to diagnose lupus. It has symptoms similar to those of other diseases. To confirm lupus, a person should have four or more symptoms. The diagnosis includes:

  • Antinuclear antibody test ANA. This test checks for antibodies that attach to the nucleus. 95% of lupus patients test positive for this test. It is one of the most efficient tests for lupus. Other tests should follow to rule out similar diseases.
  • Anti-ds DNA antibody test. It indicates the presence of lupus. It does not turn out positive in lupus-negative patients.
  • Anti-RO SSA and Anti-LA SSB antibodies. They are crucial for testing lupus in people who are negative for ANA.
  • Anti-histone antibody test. Antihistones are common in drug-induced lupus and systemic lupus.
  • Blood complement test. This measures the level of proteins present in the serum. Low levels state that the swelling process is using up blood proteins.
  • Kidney and liver function test. Blood tests determine liver and kidney function. High liver enzymes show a possible disease. Kidney damage is detectable through urine tests. Urine tests detect proteins and blood in the urine.
  • Blood cells count.
  • Scans and X-rays. Done to determine the functioning of an internal organ.

Complications with Lupus

1. Kidney disease.

Swelling affects the normal filtering process of the kidneys. Abnormal filtering of the kidney causes nephritis. Permanent attacks by the immune system can cause kidney failure.

2. Heart problems.

Lupus causes swelling on the walls of the heart. Lupus encourages a build-up of fluids in the walls of the heart. If not treated well, it can cause heart failure.

3. Lung problems.

Lupus may cause inflammation and fluid retention. This impairs breathing and causes tightness in the chest.

4. Skin rashes due to sunlight or UV light.

5. Disorders of the central nervous system.

Lupus destroys the nerves. Attacking nerves can lead to poor memory, emotional changes, and poor vision. Chronic effects of the destruction of the CNS are stroke and seizures.

6. Blood disorders.

Lupus attacks blood cells by lowering them. It causes diseases like anemia, bleeding disorders and low immunity.

7. Low bone density.

8. Anxiety and depression.

9. Problems during pregnancy.

Increased risk of miscarriage. Stillbirths are due to hypertension. Antiphospholipid antibodies cause stillbirths.

10. Hardening of arteries due to swelling of blood vessels. Swelling is due to the build-up of white blood cells in the blood vessels. This impedes proper blood flow, increasing the risk of a heart attack.

Treatment of Lupus

It is not curable. Medicines treat symptoms and delay the course of the disease. Treatment relies on several factors. They include:

  • Symptoms present,
  • affected organs.
  • The severity of the disease.

The drugs include:

  • Medicines that suppress the immune system. They treat severe symptoms. Examples are:
  • Azathioprine (Imuran)
  • Cyclosporine (sand immune neural)
  • Cell cept
  • Cytoxan
  • Tacrolimus
  • Rheumatrex
  • Non-steroidal anti-inflammatory (NSAIDs). They reduce swelling of the body, pain and fever.
  • Biologic agents. These include:
  • Rituxan. This medication treats swelling of the lymph nodes and rheumatoid arthritis.
  • Belimumab (Benlysta) inhibits the B cell-activating factor (BFF). B-cells produce immune bodies and other antibodies.
  • Steroids. These treat rashes and other moderate symptoms in low doses. High doses apply to internal organs. High doses can be toxic if taken over a long time.
  • Hydroxychloroquine (Plaquenil). It treats mild symptoms like skin and joint disorders. It prevents worsening of symptoms. Other medicines used to treat symptoms include:
  • Medications that prevent convulsions
  • Medicines for depression
  • Medicines to treat blood diseases, e.g., Eculizumab
  • Enzyme inhibitors. ACE lowers blood pressure and prevents kidney damage.

Alternative Treatments
  • Acupuncture to reduce pain and fatigue.
  • DHEA hormone to reduce symptoms.
  • Vitamins and supplements to improve health and symptoms
  • Patients' meditation to improve mental illnesses, e.g., depression and anxiety.
Lifestyle Changes

Lupus patients should adopt a healthy lifestyle for long life. Positive lifestyle changes prevent attacks and worsening symptoms. These include:

  • Avoid smoking
  • Immediate treatment for fever
  • Avoid alcohol as you take medication.
  • A balanced diet
  • Enough time to rest
  • Sunglasses, sunscreens, and avoid much sunlight and artificial UV light.
  • Healthy exercises to improve muscles.
  • The proper taking of medication
  • Join a passionate support team.

Lupus is not curable. Medications treat the symptoms and delay the progression of the disease. The severity of the attack determines the magnitude of symptoms. Symptoms also depend on the affected organ. With the proper treatment, lupus patients can lead normal life Yet; Many patients develop different forms of dysfunction. Aggressive treatment is necessary for severe symptoms. For mild symptoms, treatment is not necessary. To prevent attacks and prolong life, A healthy lifestyle is necessary. Patients must understand their symptoms and possible causes of attacks.

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