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Qualifying for Life Insurance with Morphea

Researcher & Writer
August 09, 2017

Are you looking for life insurance but aren’t sure if you’ll qualify because you have been diagnosed with morphea in the past? Well, you’ve come to the right place.

In this article…

We’ll review all the basics that you’ll need to know about applying for life for a traditional term or whole life insurance policy after you’ve been diagnosed with with morphea – and hopefully we can help you get covered today!

So, let’s first start off by answering the question: 

What is Morphea?

Morphea is a rare skin disease that causes people to develop patchy-looking skin.  Outbreaks will most commonly occur on the torso (back and front), but it can also affect ones face, arms and legs as well.

And while…

Scientists haven’t determined what the cause of morphea yet, they do have some theories as to who is more susceptible, including people who have had radiation therapy, chickenpox, measles, or trauma.   The good news is that it has been proven that morphea is not contagious.

Unfortunately, for some…

Morphea can end up impacting one’s mobility. This is because the patches can affect joint movement. Additionally, you may suffer eye damage.  Which is why life insurance companies are going to be interested in the fact that you’ve been diagnosed with morphea.

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Getting Life Insurance with Morphea.

The good news is that morphea isn’t a life-threatening disease. It does make life more difficult socially and comfort-wise. However, you aren’t likely to be denied a whole or term life insurance policy just because you have morphea.

Morphea will impact your rate.

In our experiences here at TermLife2Go, what we’ve found is that while individuals who have been diagnosed with morphea will still be eligible for a traditional term or whole life insurance policy, in general, they won’t be considered eligible for a Preferred or Standard rate.

In general…

What we’ve found is that most individuals will generally qualify for Table rate ranging from Table A to Table H.  Now there are certain things that will impact your Table Rate…

Life insurance companies will look at more than just your morphea when they underwrite your policy. Other things that will be considered include:

  • Do you smoke?
  • Blood Pressure
  • Cholesterol
  • Blood Work
  • Urine Sample
  • Weight (BMI)
  • Driving Record (DUIs, etc)
  • Are you a convicted felon?

All of these and more will determine the kind of rate you get on a life insurance policy.

How do I ensure a Table A (the best table rate available)?

Since there’s definitely a financial difference between Table H and Table A – and you’re going to want to do everything possible to secure a Table A when applying for a traditional term or whole life insurance policy!

So how do you get it?

Well, you can’t ensure anything, but you can definitely try! And what we’ve found is that your best chance at getting a Table A rating is to find the right life insurance company FOR YOU.


This isn’t all that easy to do on your own – in fact, it’s probably going to be impossible. But, you can definitely seek the help of some experts…and you’ll be a whole lot more likely to get a more affordable rate on life insurance with morphea.

What if I am declined a life insurance policy?

If you have severe morphea or you have a combination of factors that cause you to be denied a term or whole life insurance policy, you have two options:

  1. Find out if you really are ineligible.
    There is a chance that one life insurance company could deny you a term or whole life insurance policy, but another may underwrite a policy for you! The trick is to find the right life insurance company. Just like you should call an expert to get a better rate, you should call an expert to find a life insurance company that may insure you! Just Bury Me can help.
  2. Get a guaranteed issue life insurance policy.
    If you really do not qualify for a term or whole life insurance policy, you still have one remaining option: a guaranteed issue life insurance policy.

Confused?... Don’t be!

Here at TermLife2Go, because we work with folks with all sorts of pre-existing medical conditions, we’ll be sure to go over all of your options with you and answer any questions that you may have.  At the end of the day, our only goal is to help you find the best life insurance policy that you can qualify for.

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