One of the first things that people will begin to realize when choosing to apply for a traditional term or whole life insurance policy is that…
Insurance companies are going to want to know a TON about you before they will be willing to approve your life insurance application!
Which often causes…
Folks who have been diagnosed with “any” pre-existing condition, even one like erythema nodosum to begin wondering if their “pre-existing” medical condition is going to affect the outcome of their life insurance application.
This is why we’ve choose to write this brief article about erythema nodosum so that we can help “shed some light” on what the process of applying for life insurance with erythema nodosum is going to look like as well as provide some helpful tips to assist you in finding the best life insurance policy that you can qualify for.
About Erythema Nodosum
This is a skin inflammation that takes place in the fatty layer of your skin. This is caused by other sicknesses such as (but not limited to)
- Fungal disease
- Behcet’s disease
- Strep throat
- Cat scratch disease
Erythema nodosum can be identified by the slightly raised blotches, usually dark red/brown in color. These may be inflamed for days or weeks at a time. After they start to retreat, you will find a bruise in their place. Sometimes doctors initially think they are insect bites.
Treatment for Erythema Nodosum
The most effective way to treat erythema nodosum is not to treat the symptoms (the nodules/patches) but to treat the cause. Most erythema nodosum is caused by something else (as mentioned) and the only way for it to subside is to get rid of the other sickness. So, treatment really depends on the cause.
Getting Life Insurance with Eyrthema Nodosum
When life insurance companies ask you about your medical history and any existing conditions, the reason is because they want to know your risk level – are you likely to die prematurely? The good news is that erythema nodosum doesn’t really have any big risk. You are unlikely to really have any major problem regarding longevity due to erythema nodosum.
Getting a Premium Rate with Erythema Nodosum
Is it possible to get a premium rate with erythema nodosum? You betcha! What do you need to get a premium rate with erythema nodosum?
- No residual effects from erythema nodosum
- No risky lifestyle choices (see below)
- No major health risks
What are “risky lifestyle choices”?
This refers to the things that life insurance companies consider as potentially life shortening. The list is quite long, but to give you an idea, they want to know if you:
- Drink excessively/have a history of alcoholism
- Use drugs
- Have a risky job (i.e. cop, firefighter, security personnel, etc)
- Travel to dangerous places (i.e. Syria, Yemen, Afghanistan, etc)
- Like “adventure sports” (i.e. cliff diving, paragliding, deep sea diving, race car driving, etc)
- Have ever committed a felony
- Have speeding tickets
- Ever had a DWI
What are major health risks?
Life insurance companies will ask you to complete a medical exam, blood work and provide a urine sample before they issue you a term or whole life insurance policy. Some may ask for a history of medications you have taken. This is probably when they will find out about your erythema nodosum. Other things they will want to know about/may impact your eligibility or rate card:
- Have you ever had cancer, stroke, heart attack?
- Do you have any serious medical issues in your family (again, cancer, stroke, heart attacks, and more)
- Have you ever had surgery?
- Which medications have you taken or are you currently taking?
- Do you have a history of mental issues?
These are some of the questions they will want answers to before issuing you a premium rate with erythema nodosum.
Finding the best life insurance with erythema nodosum
Since life insurance companies care about way more than just your erythema nodosum, it’s hard to make a standard life insurance company/policy recommendation to all people who have or do have erythema nodosum.
Instead, in order to find the best life insurance policy with erythema nodosum, the best thing you can do is get a personalized recommendation from a life insurance expert.
A Captive Insurance Agent vs. an Independent Life Insurance Brokerage.
A captive life insurance agent is an agent that will typically only work for one or two specific life insurance companies. They may have some experience working with people with erythema nodosum, but what they don’t have is the freedom to recommend a wide variety of different life insurance companies. Instead, they can only really recommend those one or two different life insurance companies that they represent.
Now will one of those companies be the best for you?
Maybe, we don’t know, but as a general rule of thumb, isn’t it better to have more choices the less?
We here at InsuranceBrokersUSA.com think so which is why we have worked so hard to create relationships with DOZENS of different life insurance companies so that our clients will have plenty of options to choose from when it comes time to helping you find the best life insurance policy that you can qualify for!
So, what are you waiting for? Give us a call today and see what we can do for you!