Lupus, most commonly systemic lupus erythematosus, is a chronic autoimmune disease in which the immune system attacks healthy tissues, causing inflammation and damage in organs such as joints, skin, kidneys, heart, lungs, and brain. Symptoms vary widely and may include fatigue, joint pain, rashes, fevers, and organ involvement. Treatment often involves immunosuppressive or anti inflammatory medications to control flares and prevent long term damage. From an insurance perspective, lupus raises mortality and morbidity risk, especially when there is significant organ involvement, frequent flares, or high dose steroid use.

In day to day underwriting, advisors encounter lupus when applicants disclose the diagnosis on life, disability, or long term care applications or when APS reports reveal related evaluations. Underwriters consider age at diagnosis, disease severity, organ involvement, treatment regimen, specialist follow up, and stability over time. Mild, well controlled cases with no major organ damage may sometimes qualify for standard or mildly rated coverage at certain carriers, while more severe cases can result in postponements or declines. Advisors play a key role in gathering detailed histories, including frequency of flares, hospitalizations, and lab findings, and in setting expectations about possible outcomes. They may seek impaired risk carriers with more flexible guidelines for autoimmune conditions. By understanding lupus and its underwriting impact, producers can better advocate for clients, position applications strategically, and explore alternative products when traditional coverage is not available at desired rates.