Psoriasis is a chronic, immune-mediated skin condition characterized by red, scaly plaques that commonly affect the scalp, elbows, knees, and trunk. Severity ranges from mild, localized patches to extensive involvement that impairs quality of life. Some individuals develop psoriatic arthritis, which can damage joints and cause disability. Modern treatments include topical therapies, phototherapy, systemic medications, and biologic agents that target specific immune pathways. While psoriasis itself is rarely life-threatening, it is associated with increased cardiovascular risk, metabolic syndrome, and depression in some patients. Life insurance underwriting typically focuses on severity, treatment type, associated conditions, and stability over time.

In underwriting, psoriasis is usually considered a moderate impairment unless there is severe, uncontrolled disease or significant systemic therapy with side-effect risks. Underwriters review medical records to determine body surface area involvement, use of biologics or immunosuppressants, and any history of psoriatic arthritis. Applicants with mild, well-controlled psoriasis and no major comorbidities are often insurable at standard rates, while those with extensive disease or heavy systemic treatment may receive table ratings. Advisors can help by obtaining dermatologist notes and clarifying current control and response to therapy. Explaining that psoriasis is evaluated in the context of overall health helps clients understand how underwriting decisions are made.