In this article, we wanted to take a moment to answer some of the most common questions we get from folks applying for life insurance after being diagnosed with Erythema Nodosum (recovered).
Questions that will be directly addressed will include:
- Can I qualify for life insurance if I have been diagnosed with Erythema Nodosum?
- Why do life insurance companies care if I’ve been diagnosed with Erythema Nodosum?
- What kind of information will the insurance companies ask me or be interested in?
- What rate (or price) can I qualify for?
- What can I do to help ensure that I get the “best life insurance” for me?
So, without further ado, let’ dive right in!
Can I qualify for life insurance if I have been diagnosed with Erythema Nodosum?
Yes, individuals can and often will be able to qualify for a traditional term or whole life insurance policy after they have been diagnosed with Erythema Nodosum. In fact, they may even be able to qualify for life insurance without a medical exam at a Preferred Plus rate!
The problem is…
That most (if not all) life insurance companies are going to want to make sure that you have fully recovered from your Erythema Nodosum “attack” and that you don’t suffer from some other “kind” of a pre-existing medical condition which could make you more “susceptible” to these types of outbreaks.
Why do life insurance companies care if I’ve been diagnosed with Erythema Nodosum?
At the end of the day, most of the top-rated life insurance companies aren’t going to “care” if you have previously been diagnosed with Erythema Nodosum provided that you are no longer suffering from this condition and that you don’t seem to have any serious “lingering effects” from your infection.
This is mainly because…
Erythema Nodosum isn’t a medical condition that is going to cause any “serious” or “life-threatening” symptoms or consequences. It’s just going to cause someone to suffer from some pretty “horrific” skin bruising that can be quite painful to deal with!
What will spark…
Their interest though, is “why” have you been diagnosed with Erythema Nodosum because there are a lot of “potential” reasons why an individual might develop Erythema Nodosum, some of which are potentially dangerous and would affect the outcome of one’s life insurance application.
Which is why…
We wanted to take a moment and just briefly describe exactly what Erythema Nodosum is and just briefly mention some of the most common symptoms of this disease so that you’ll have a better idea about what an individual life insurance underwriter will be looking for when considering your application and considering whether or not you have “fully recovered.”
Erythema Nodosum Defined:
Erythema Nodosum is a “type” of skin inflammation that occurs within the fatty layer of the skin. Common causes of Erythema Nodosum may include:
- Viral infections,
- Bacterial infections,
- Fungal infections,
- Reactions to certain prescription medications,
Symptoms of Erythema Nodosum may include:
- Painful reddish lumps most commonly located in on one’s shins,
- Joint pain,
- Ankle welling,
- Persistent cough,
Now at this point…
We usually like to take a moment and remind folks that nobody here at IBUSA has any kind of “official” medical training, and we’re certainly not doctors. All we are is a bunch of life insurance agents who just happen to be really good at helping folks with pre-existing medical conditions like this one, find and qualify for the life insurance coverage that they are looking for.
Not so great if you’re looking for answers to any specific medical questions. In cases like these, we would recommend that you contact a true medical professional who has the training to help. For everyone else, you’re in luck because now we’re going to get into some of the “nitty-gritty” about what you may or may not be able to qualify for.
What kind of information will the insurance companies ask me or be interested in?
Common questions you may be asked may include:
- When were you first diagnosed with Erythema Nodosum?
- How many times have you suffered from Erythema Nodosum?
- Who diagnosed you’re Erythema Nodosum? A general practitioner or a specialist?
- What symptoms led to your diagnosis?
- Do you know what might have caused you to develop Erythema Nodosum?
- Have you been diagnosed with any other pre-existing medical conditions?
- Have you fully recovered your “attack”?
- Do you suffer from any lingering effects from your “attack”?
- Are you taking any prescription medications now?
- Are you currently working now?
- In the past 12 months, have you applied for or received any form of disability benefits?
What rate (or price) can I qualify for?
Because there are so many factors that can come into play when trying to determine what kind of “rate” that an individual might be able to qualify for, it’s pretty much impossible to know for sure what kind of “rate” that you might be able to qualify for without first actually speaking with you.
That said however…
It’s fair to say that if you have fully recovered from your Erythema Nodosum. Andy you don’t seem to be suffering from any pre-existing medical condition which could make you more susceptible to suffering from Erythema Nodosum, what you’re most likely going to find is that whatever rate that you would have been able to qualify for before being diagnosed with Erythema Nodosum should be the same “rate” that you will be able to qualify for AFTER having been diagnosed with Erythema Nodosum.
“Which is great!”
And segues very nicely into the last topic that we wanted to discuss here in this article, which is…
What can I do to help ensure that I get the “best life insurance” for me?
In our experience here at IBUSA, what we have found that works best for folks who have been diagnosed with a pre-existing medical condition where the “severity” of the condition is often “subjective” is for the applicant to make sure that they first find a true-life insurance professional who will work as an advocate for you.
Such an agent…
Will not only help guide you through the application process but also be perfectly “frank” with you about what options may or may not be possible for you.
You’ll also want to make sure that the very same agent you have chosen has access to dozens of different life insurance companies because after all, it really doesn’t matter how “great” of a life insurance agent you might have if they don’t have access to the “best” life insurance policy for you! Now, does it?
You’ll want to make sure that you’re completely honest with your life insurance agent prior to applying for coverage. By doing so, you will be helping him or her narrow down what options might be the “best.”
So, what are you waiting for? Give us a call today and see what we can do for you!
Now, will we be able to help out everyone who has been previously diagnosed with Erythema Nodosum?
No, probably not. But what we can tell you is that in addition to offering a wide variety of different term and whole life insurance policies, IBUSA has also worked very hard to establish relationships with many of the Best Final Expense Life Insurance Companies as well so that in the event that someone isn’t able to qualify for a traditional life insurance policy, chances are there may be some other “type” of product that you CAN qualify for.