Sarcoidosis

Sarcoidosis is a progressive, inflammatory disease of unknown cause characterised by the formation of granulomas, abnormal nodules of inflamed tissue that can affect any organ, altering its structure and function. It primarily affects young and middle aged adults. Around 20% of those diagnosed with sarcoidosis will experience functional impairment, and the mortality rate is about 5%. A disclosure of sarcoidosis is therefore significant at underwriting stage, but as 80% of sufferers have no impairment the majority of applicants with this condition will be accepted at standard rates or wit...