Having trouble finding affordable life insurance with Morphea?
Luckily, you’ve come to the right place.
At High Risk Life Insurance Agency, we specialize in “high risk” life insurance.
Our 2 Minute Promise
Stick with us for two minutes, and you’ll have two important questions answered:
1. Can you qualify for life insurance with Morphea? And if so…
2. How much will it cost?
Can People Who Have Morphea Be Approved for Life Insurance?
Yes, most individuals with Generalized Morphea 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 Generalized Morphea is detected early, symptoms of skin lesions and sclerosis are controlled and complications to internal organs are prevented, most cases have a “Mild Substandard” rating. Click here for quote at “Mild Substandard”.
Moderate Case – Those with complications on the deeper layers of the skin and visceral tissues, but whose symptoms of functional disability are mostly controlled may still qualify for a “Medium Substandard” health class. Click here for a quote at “Medium Substandard”.
You may have difficulty qualifying for traditional coverage, but could be eligible for a graded death benefit policy.
If you’re unsure which of the above health cllasses to quote yourself at (Mild Substandard or Medium Substandard), please see the questions below:
The following questions will help determine whether an individual with Morphea would be rated at Mild Substandard or Medium Substandard rates:
How many years have you been diagnosed with Morphea?
Morphea is a minor condition, but the symptoms of skin lesions and plaques once not treated, may end up with deeper dermatology complications. It is very important to determine the type and extent of skin involvement to determine whether you will qualify for the “Mild Substandard” or “Medium Substandard” rating.
Are you taking or applying any medication?
The need for medications is important for the control of spread or severity of skin lesion’s condition. Superficial involvement of symptoms may get you a “Mild Substandard” rating.
You might also be interested in reading “Life Insurance Approval with Lupus Discoid”
Do you have regular check-ups with your dermatologist?
Usually a non-systemic case of Morphea will only require a dermatologist’s management, and if this is the case and the condition is only localized, chances of getting the “Mild Substandard” rating is high. But if you require the management of an internist, the best rating that you may get is at “Medium Substandard”.
Do you have a family history of skin cancer?
Although it is a rare complication, it is important to rule out other skin condiotions that may affect the rating that will be given to you.
Do you have other medical conditions?
If you have SLE, cirrhosis or other systemic conditions, the best rating that you may qualify is at “Medium Substandard”. Provided that there are no serious complications that warrant a severe rating or a decline.
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 877-443-9467.
Overview of Morphea
Morphea is also called by the name “Generalized Morphea”, it is the type that does not involve any internal organ or systemic disease. It affects both children and adults alike.
Generalized Morphea in its early stage is characterized by localized or widespread thick and hardened skin patches or plaques, skin pigmentation, sclerosis (hardening of the tissue) and in moderate cases, muscle atrophy and visceral tissue involvement.
Symptoms are dependent on the type of Morphea. Morphea–lichen sclerosus et atrophicus involves the appearance of local or widespread skin lesions and is common to women. Other advanced types that involve deeper layers of the skin are called Morphea Profunda and Pansclerotic Morphea.
Morphea present itself as nodules, lesions, plaques or macules that are about 5 cm. In diameter. It usually involves the superficial layer of the skin and subcutaneoud tissues. In the early stage it is commonly a cosmetic deformity, but In advanced stages, they may involve functional problems already.
The cause of Generalized Morphea is still unknown, although research scientists believe the high probability of a genetic autioimmune pattern. Co-existing and underlying systemic disorders related to Morphea include vitiligo (depigmentation of the skin), biliary cirrhosis, and systemic lupus erythematosus.
Several treatments have been developed over the years such as intra-lesional, topical and systemic steroids. Anti-malarial and anti-cacer drugs, plus UV light treatments have also been tested, but there have been no definitive outcomes.
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