Fortunately for those Americans suffering from Lupus, insurers in the high-risk insurance business have become a little more liberal with underwriting rules and guidelines because of competition in the marketplace.
The agent you select to represent you to the insurance company is just as important as the company you apply with. Agents who specialize in high-risk insurance cases are more likely to become your advocate and will help you select an insurer that is more likely to approve your application.
It is always best to select an independent agent over a direct captive agent that only works for one insurance company. Independent agents will typically represent dozens of companies which will allow you to select a carrier that is most likely to accept your application.
Your independent agent will also help walk you through the underwriting process and will stay engaged until the underwriter publishes the company’s decision.