Arthritis and its Effect on Life Insurance Rates

If you want affordable life insurance, but don’t know how to get it, take a couple minutes to read this article. You won’t regret it.

We know buying life insurance can be a 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 protect your family.

The underwriting process for life insurance with arthritis can be complicated. We’ll break it down so you know what to expect.


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.

Each company has different standards for people with arthritis. This is the information we need to find the lowest rates:

  • When were you diagnosed?
  • What type of arthritis?
  • Which tissues are involved? (joints only, heart, lungs, central nervous system)
  • Has the condition ever completely disappeared? (if 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 can take all of your info to over 60 companies

Getting that perfect plan isn’t easy, we know this. But it doesn’t have to be as hard as you think. Our agents can do the work for you.

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 this isn’t true.

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.

Before the insurance company approves your application, you’re going to have to take an exam. The exam changes how much you pay. Worse results, means worse premiums. If you want to skip the exam, you can buy a no exam policy, but it won’t be the cheapest option.

Now, exercise and a diet. Both 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.

If you want to guarantee you’re getting life insurance, you need to partner up with one of our independent agents. Our brokers can compare the quote and make sure it’s the lowest possible rates.

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.


Taking the Next Step

Hopefully all of this information answered all of your questions about getting life insurance with arthritis. If it didn’t answer those questions, or it left you with more questions, just give us a call.

We would love to clear up any confusion and start you on the life insurance process.  You can get life insurance with one phone call, why would you wait any longer?

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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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