Life Insurance with Rheumatoid Arthritis

Life Insurance

Rheumatoid Arthritis can affect people in various different ways and can occasionally make getting life insurance more difficult.

Information required to assist you:

1. How long have you had Rheumatoid Arthritis?
2. Whereabouts on your body do you suffer from symptoms?
3. What medication do you take?
4. Do you have any treatments in place to help?
5. Does it affect your ability to walk?

Rheumatoid arthritis should be disclosed to the insurer when applying for life insurance. They are interested in details like the timing of your last symptoms, the medications you take, and how often you experience flare-ups.

Your policy may vary in terms of rates depending on the medications and medical conditions you have.

Rheumatoid arthritis life insurance applicants can receive standard terms in specific situations when providing information on mild symptoms, low strength medication, and proof of well-controlled condition.

The policy might be approved with premium increase when stronger medications, like anti TNFs (such as imflixmab) or anti-disease modifying drugs (such as methotrexate), are required under non-standard terms, The change in premiums will depend on your specific situation.

Critical Illness

Insurers will evaluate rheumatoid arthritis similarly when applying for critical illness cover as they would for Life Insurance. The insurance provider will need detailed information about your medications, symptoms’ severity, and any important medical history disclosures.

Individuals who are currently on strong medication or experience regular flare-ups may receive special terms on the policy. This situation may result in a premium increase or an exclusion of rheumatoid arthritis and related conditions from your policy claims.

Applications for rheumatoid arthritis critical illness cover may be declined by standard insurers if they contain detailed information about severe symptoms, additional medical disclosures, or use of more potent medication.

If that’s true, it might be worth exploring other options with specialized insurers. Our advisers are available to guide you through the optimal insurance options for your needs.

Income Protection

Income protection for individuals with rheumatoid arthritis may need to be arranged through a specialist insurer who will assess the coverage, as not all insurers will offer it.

A significant amount of income protection claims are linked to musculoskeletal conditions, which causes insurers to exercise caution when offering coverage to individuals with pre-existing illnesses closely connected to this category.

Insurance providers will prioritize analyzing the medications you take, frequency of flare-ups, absences from work, and your occupation. Income protection policies typically have exclusions for claims related to rheumatoid arthritis.