If you have been diagnosed with scleroderma, you may be wondering about scleroderma life insurance eligibility. Getting life insurance with scleroderma is possible if you have the right insurance agent and insurance company.
In this article, we will offer some background on scleroderma, the underwriting process for life insurance for scleroderma, and if you can get approved for life insurance with scleroderma.
WHAT IS SCLERODERMA?
Scleroderma is also called systemic sclerosis. Scleroderma is a chronic connective tissue disease medically classified as an autoimmune rheumatic disease.
Some scleroderma patients only show signs of this disease in limited areas of their skin. Other scleroderma patients have medical issues with blood vessels, internal organs, and organs in the digestive tract.
SCLERODERMA MAY AFFECT THE FOLLOWING AREAS:
Skin – almost all scleroderma patients experience the hardening and tightening of the skin. This commonly occurs in patches that are oval-shaped or in straight lines. Affected areas can cover broad areas of a patient’s limbs and trunk. The size, location, and a number of patches vary by what type of scleroderma is present.
Skin can often appear shiny as the skin is stretched and tightened. Physical movement may be affected or restricted due to the tightening of the skin.
Fingers or toes – scleroderma can cause numbness, pain, or color changes are exaggerated in scleroderma patients’ fingers and toes.
Symptoms vary by patient and vary by what internal organ is affected.
Here are areas may be affected by scleroderma:
Digestive system – scleroderma patients may have problems absorbing nutrients from the food they eat if scleroderma is affecting how food moves through their intestines.
Heart, kidneys, and lungs – scleroderma patients’ heart, kidney, and lung function may be affected to varying degrees. If untreated, these medical conditions may become life-threatening.
Women are more likely to suffer from scleroderma than men. The most common ages to be affected are ages 30 through 50. Although there is no cure for scleroderma, medications and medical treatment can improve the quality of life for scleroderma patients.
WHAT ARE THE SYMPTOMS OF SCLERODERMA?
Patients with scleroderma may experience medical symptoms. The most common symptom is a hardening of the skin. The symptoms of this disease vary from patient to patient.
Scleroderma used to be called “progressive systemic sclerosis”. Extensive medical review of scleroderma has shown it is not a progressive disease in all patients.
Scleroderma is not infectious, contagious, or cancerous.
Is scleroderma a serious medical condition?
As scleroderma is a chronic disease, the short and long-term prognosis for scleroderma patients varies. With about 300,000 Americans being diagnosed with scleroderma, it is not an uncommon disease in the United States.
CAN I GET LIFE INSURANCE IF I HAVE SCLERODERMA?
Yes, you can.
Because of the nature of this disease and the potential for this condition to get progressively worse in your body in the years to come, you will need a talented and knowledgeable life insurance agent to help you get the best coverage and the best pricing.
People with minimal to moderate scleroderma symptoms will have more life insurance options than people with advanced scleroderma symptoms. People with systemic scleroderma or people with large areas of their skin or organs affected will be more challenging life insurance candidates.
Don’t worry though; we are experts and can help you get the best and most affordable scleroderma life insurance rates.
WHAT WILL THE INSURANCE COMPANY NEED TO KNOW ABOUT MY SCLERODERMA?
To obtain the best life insurance rates, the life insurance companies must know the following items:
- Date of diagnosis
- What form is scleroderma you have
- What areas of your body are affected
- Medications and medical treatment
- Are your symptoms stable or progressing
- Are you a smoker
- Your height and weight
- Any recent health tests or procedures
WHAT WILL MY SCLERODERMA LIFE INSURANCE COST?
Without getting overly technical or overloading you with insurance underwriting terms, the answer is generally “it depends.”
With such a wide variety of symptoms in scleroderma patients, the scleroderma life insurance premiums will vary from patient to patient. If you have only mild or moderate symptoms, your eligibility and rates will be less affected. If you have moderate to severe symptoms, your eligibility and pricing will be more affected.
If you have scleroderma and are shopping for life insurance, we encourage you to call us. We will help you understand your life insurance options and pricing expectations.
We work with all the best life insurance companies in the world. Not all of them look favorably on scleroderma patients. We do, however, work with some life insurance companies that view a scleroderma diagnosis more favorably than other insurance companies.
Call us today, and we can help you get the best pricing possible based on your medical status.
If you have been diagnosed with scleroderma, call us to help you understand your scleroderma life insurance options.
At Life Wealth Win, we specialize in healthy to high-risk life insurance cases. We can help you understand your life insurance options with scleroderma.
We work with clients across the nation to get the best life insurance rates possible. If you have scleroderma, we can help you get the best life insurance rates.