How to Get Life Insurance with Polymyalgia Rheumatica

Life insurance with Polymyalgia Rheumatica

Life Insurance

Dealing with polymyalgia rheumatica can pose challenges for daily tasks. The positive aspect is that it often has minimal influence on a life insurance application.

Things we need to know:

Age diagnosed
Treatment / Medication
Weight loss
Any other medical problems
Your general health and wellbeing

Life insurance may be obtainable under standard terms for individuals with polymyalgia rheumatica, provided that symptoms are mild and medication is not needed.

Life insurance may be available with non-standard terms in most cases, resulting in a premium increase. The terms are determined by the insurer based on the severity of your symptoms, the type of medication you take, and its impact on your daily life.

Insurance companies typically request your permission to contact your GP for a diagnosis confirmation report. This occurrence is common with various medical conditions and is nothing to worry about.

Critical Illness

Critical illness cover may be available at special terms for individuals with polymyalgia rheumatica.

It is potentially feasible for individuals with very mild symptoms to obtain standard premiums.

In instances where symptoms are severe, requiring potent medication or causing organ impairment, there is a potential for rejection of critical illness coverage in the standard market.

In the event this occurs, we have specific insurers to submit your application to.

There are beneficial options for critical illness cover through a business as well. Employers arrange these for the benefit of their employees. Having your own company provides potential opportunities, so it may be beneficial to consider this option.

Income Protection

Income protection may be an option for individuals with polymyalgia rheumatica who have mild symptoms and aren’t on strong medication.

The insurer will want to know if the condition has resulted in any missed work days. Individuals with an income protection policy may find that it includes an exclusion for claims relating to arthritis.