Autoimmune disease is a class of conditions in which the immune system mistakenly attacks the bodyTMs own tissues, leading to chronic inflammation and organ damage. Examples include rheumatoid arthritis, lupus, multiple sclerosis, CrohnTMs disease, ulcerative colitis, and psoriasis. Severity ranges from mild, well'controlled disease managed with standard medications to aggressive, multi'system involvement requiring biologic agents or immunosuppressants. Autoimmune diseases can increase mortality and morbidity risk through organ failure, infections, thrombotic complications, and treatment side effects. For life and disability insurance, underwriting evaluates diagnosis, extent of involvement, treatment regimen, stability, and any major complications or hospitalizations.

Underwriters analyze autoimmune disease cases by reviewing rheumatology and specialty notes, lab markers, imaging, and medication history. Favorable cases show limited organ involvement, good symptom control, and stable labs over time, potentially qualifying for standard or moderately rated offers. More severe cases with renal, neurologic, or cardiopulmonary involvement, or those requiring high'dose steroids and multiple immunosuppressants, often receive heavier ratings or declines. Advisors working with clients who have autoimmune disease set expectations early and may target carriers known for more nuanced views on particular diagnoses. They also gather comprehensive records to avoid piecemeal underwriting. Understanding autoimmune disease in underwriting helps advisors navigate complex medical landscapes and advocate effectively for clients.