Having trouble finding affordable life insurance with Lupus Discoid?
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Indeed, we help individuals of all ages and all sorts of medical conditions at High Risk Life Insurance Agency.
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Stick with us for two minutes, and you’ll have two important questions answered:
1. Can you qualify for life insurance with Lupus Dermatitis? And if so…
2. How much will it cost?
Can Individuals with Lupus Discoid Qualify for Life Insurance?
Yes, most individuals with Lupus Dermatitis will be able to qualify for traditional life insurance, the type of insurance which requires a medical exam.
However, these types of approvals can only be offered by life insurance companies that are accustomed to high risk life insurance cases.
Best Case Scenario – If Lupus Discoid is detected early, symptoms of rashes and lesions are controlled and complications of a systemic disease ruled out, most cases have a “Standard” rating. Click here for quote at “Standard”.
You may have difficulty qualifying for traditional coverage, but could be eligible for a graded death benefit policy.
If you’re unsure whether you will qualify for the “Standard” health cllasses to quote yourself, please see the questions below:
How many years have you been diagnosed with Lupus Discoid?
If Lupus Dermatitis is not complicated with the other symptoms of diseases due to systemic lupus erythematosus (SLE) or rheumatoid arthritis and the sores controlled, then it may qualify for the “Standard” rating.
You might also be interested in reading “Life Insurance Approval with Angioneurotic Edema”
Have you experienced any symptoms within the last six months?
Symptoms of worsening and spreading rashes may be flare signs of a severe systemic condition, which may not earn you the best raring of “Standard” health class. You may have to undergo a thorough medical evaluation before a rating can be determined.
Are you taking any medication and for how long?
The need for medications such as pain killers and steroids is important in the control of inflammation, pain and itchiness. However, long term use also poses some health risks. If you have been on steroids for a long time, you will have to undergo further evaluation before a rating can be given.
Do you have regular check-ups with your immunologist or endocrinologist?
Regular visit to your immunologist or endocrinologist is a good sign of control of the condition and may get you a “Standard” rating. It is, however, necessary for laboratory and diagnostic exams to confirm the absence of complications from SLE or rheumatoid arthritis.
Have you had a skin biopsy in the past 12 months?
A recent skin biopsy will show the extent of damage to the integumentary system and may be used in evaluating the seriousness of the condition.
Do you have other medical conditions?
A diagnosis of either SLE or rheumatoid arthritis will require a diffent and more thorough evaluation before your rating can be determined.
If you don’t seem to fit into one of the ratings above, I recommend requesting life insurance quotes from “standard” to “severe standard” so you understand the range of possibilities.
Using the Instant Life Insurance Quote form on the right, select the rating class that best suits you based on your answers to the questions above, as well as complete the amount and type of coverage needed.
An estimate will appear on the next page.
If we can help you with a quote or to apply for coverage, call us at
Overview of Lupus Discoid
Lupus Discoid, also known as Discoid lupus erythematosus (DLE), chronic cutaneous LE, subacute cutaneous lupus erythematosus, SCLE, lupus dermatitis or systemic rash is a chronic condition of the skin characterized by lesions, sores, scarring or inflammation that are often itchy and painful.
It often affects the areas of the scalp, face, nose, lips, external ears, cheeks, chin and neck, but can also be found in other body areas such as the upper back, arms and legs.
The lesions are described as roughly circular with red, scaly, crusty or patchy appearance that have a tendency to leave scars or disfigurements. They are medically referred to as “erythematous papules” that are thick and blocks the hair follicles. The center of the sore usually appears lighter and the border raised with darker shade than the normal skin color.
Lupus Dermatitis is diferent from systemic lupus erythematosus in that the former is only a specific manifestation of some systemic diseases such as SLE or rheumatoid arthritis. This skin condition persists for several years and has tendency to expand slowly over time.
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