Arthritis and its Effect on Life Insurance Rates

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If you’re in the market for life insurance and have arthritis, please take 3 minutes to read our article.

We know that finding the perfect life insurance policy can be a long and complicated process, but if you have a severe health complication like arthritis, it can be even more frustrating. Finding an affordable life insurance policy can seem impossible if you have arthritis. Luckily, there are several affordable options for life insurance that will give your family the insurance protection that they deserve.

The underwriting process for life insurance with arthritis can be complicated.  However, we’ve helped dozens of people find the most affordable life insurance rates on the market and know which companies are offering the best rates.

We’ll break it down so you know what to expect if you’re in the market for life insurance. 


Life Insurance with Arthritis offers will be based on the type of arthritis you have, the severity of it and the degree of control achieved by medications.  There are two main types of arthritis: Rheumatoid arthritis or Osteoarthritis.  

life insurance arthritisRheumatoid arthritis affects 30-40 million Americans.  It can develop rapidly and half of individuals diagnosed with rheumatoid arthritis will develop some form of disability within five years.  Within 10 years, half of those with rheumatoid arthritis have to stop working due to disability. 

Keeping this in mind, the best rating you can expect is Standard.  If you have more frequent joint pain, stiffness and some deformity – you can expect a Table 2 life insurance rating.  If you have severe pain and you’re unable to work, a Table 4 life insurance rating can be expected.

If your rheumatoid arthritis has already affected the heart or lungs, a decline will most likely be the result.  However you will be able to qualify for graded death benefit life insurance.

Osteoarthritis is most often seen in older individuals and really is just part of growing old in our opinion. You can treat osteoarthritis with Aspirin or any other anti-inflammatory medication.  Standard life insurance rates can be expected here, but we’ve seen PREFERRED rates for very mild cases with no other underlying health issues.

Every life insurance company will look at your arthritis differently.   This is the information we need to find the lowest rates:

  • Date of diagnosis
  • What type of arthritis
  • Which tissues are involved? (joints only, heart, lungs, central nervous system)
  • Has the condition ever completely disappeared? (is so, when?, did it relapse?)
  • What medications do you take? (dates used, quantity, frequency)

With this information about your arthritis, we’ll be able to obtain accurate rates and truly find the best life insurance rates on the market.  It will take an agent experienced in underwriting arthritis to obtain the most favorable rates. 

We’ll reference over 60 top-rated life insurance companies and present the best rate for which you qualify.  Please don’t hesitate to contact us with any questions.

We know that finding the perfect life insurance policy can be a confusing process. There are dozens of different kinds of plans and thousands of companies to choose from, which can make it an overwhelming decision, but it doesn’t have to be. Our independent insurance agents can answer any questions that you have and help you compare all of the options that you have.

Our agents have years of experience working with high-risk applicants with different types of arthritis. These applicants assumed that they wouldn’t be able to get life insurance coverage at a rate that they could afford, but that couldn’t be further from the truth.
Getting Affordable Life Insurance

There are several ways that you can improve your chances of being approved for coverage and getting the lowest month rates possible. It’s important that you get the best plan and the lowest possible price. To do that, there are some lifestyle changes that you can make.

Before the insurance company approves your application, they are going to require that you take a medical exam (unless you choose a no medical exam life insurance policy). The results from the medical exam are going to play a major role in how much you pay for your life insurance coverage. No matter if you are wanting a $100,000 policy or a million dollar life insurance policy, we can help.

If you want to get lower rates, the first thing that you should do is improve your health, and the best way to do that is by starting a healthy diet and getting consistent exercise. Both of these can work wonders on your health as well as help you secure lower rates for your insurance policy. This can help you lose weight, lower your blood pressure, and lower your cholesterol, all of which are going to translate into lower monthly premiums and more money in your pockets.

Another way to lower your rates is to cut out any tobacco that you currently use. Smoking cigarettes is one of the worst things that you can do if you’re looking to get cheap life insurance. In fact, smokers are going to pay twice as much for their life insurance versus what a non-smoker is going to pay for the same coverage. It’s time that you put down those cigarettes once and for all, your bank account will thank you.

The best way to ensure that you’re getting the best rates is to work with an independent insurance agent. As we mentioned earlier, our agents work with dozens of companies across the United States and we can bring all of the lowest rates directly to you. Don’t waste your time calling all of the companies yourself, let us do all of that work for you.

Additionally, our independent insurance agents can help you decide which type of plan is going to fit your needs and they can help you calculate what your insurance needs are. Not having enough life insurance could leave your family with leftover debts. It’s vital that you get enough life insurance for your loved ones, but you don’t want to get too much coverage and spend more than you have to.

If you have any questions about life insurance or about getting a policy with arthritis, please contact one of our agents today and we would be happy to answer those questions for you and ensure that you’re getting the best protection to fit your needs.

Because you can’t predict the future, you shouldn’t wait any longer to get the insurance protection that your family deserves. Not having adequate insurance can leave them with a massive amount of debt and no resources to pay for those bills, which can make an already difficult situation a thousand times worse.

About Jeff Root

is the owner of He's an independent life insurance agent who has helped 1,000's of consumers purchase life insurance online and over the phone.

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