Having trouble finding affordable life insurance with Rheumatoid Arthritis?
Don’t fret. We can help! In fact, tough life insurance cases are our specialty at HighRisk Life Insurance Agency.
Our 2 Minute Promise
Stick with us for two minutes, and you’ll have two important questions answered:
1. Can you qualify for life insurance with Rheumatoid Arthritis? And if so…
2. How much will it cost?
But you will need to speak with a knowledgeable, independent agent, who is licensed with several life insurance companies for your best chance at approval.
Best Case Scenario – The best case for Rheumatoid Arthritis is when the symptoms of pain and joint swelling are controlled with Non-steroidal Anti-inflammatory Drugs (NSAIDs) alone, these cases usually get a “Mild Substandard” rating. Those cases that need other medications like steroids or methotrexate during flare attacks only, but not as a maintenance drug may also be rated at “Mild Substandard”. Click here for quote at “Mild Substandard.”
Moderate Case – Those with complications of cartilage damage or bone erosion that result to mild disability as a result of long-term use of steroids and methotrexate may be rated at “Medium Substandard” health class. Click here for a quote at “Medium Substandard.”
Severe Case – Severe cases are those that have been on long-term management of steroids, methotrexate and other drugs and show obvious deformities may get a ”Severe Substandard” rating or worse a decline. Click here for a quote at “Severe Substandard.”
You may have difficulty qualifying for traditional coverage, but could be eligible for a graded death benefit policy.
Common Questions to Assess Rating Class
If you’re unsure which of the above health classes to quote yourself at (Mild Substandard, Medium Substandard or Severe Substandard), please see the questions below:
How many years since you were diagnosed with Rheumatoid Arthritis?
Rheumatoid Arthritis is a chronic condition that is irreversible and need a lifetime management of joint pain and inflammation. The disease alone does not pose severe complications, but the medications like methotrexate and steroids may cause chronic and severe adverse effects to the heart, lungs or kidneys. Long-term use of these drugs may get you a Medium Substandard, Severe Substandard or even a decline.
What medications are you taking to control the symptoms?
NSAID management alone can get you a Mild Substandard rating because it means that your RA is mild and chances of complications to the heart or kidneys are unlikely to occur. If, however, you are taking steroids to control frequent flare attacks, further evaluation may be needed to assess the appropriate health class for you.
Do you have any deformity right now?
Deformities may include distortion of the fingers joints or wrists, which may be considered a mild case of RA and may get a Mild Substandard or Medium Substandard rating. If the deformity, however, presents in major areas of the hips or knees that cause immobility or dysfunction, the best rating is at Severe Substandard or in worse cases it may get a decline.
Have you had any relevant diagnostic tests in the past 12 months?
Radiographic evaluations such as X-rays or MRIs will show any ongoing bone erosion or cartilage destruction, which may help to assess the appropriate rating class for you.
If you don’t seem to fit into one of the ratings above, I recommend requesting life insurance quotes from “standard” to “severe standard” so you understand the range of possibilities.
Using the Instant Life Insurance Quote form on the right, select the rating class that best suits you based on your answers to the questions above, as well as complete the amount and type of coverage needed.
An estimate will appear on the next page.
If we can help you with a quote or to apply for coverage, call us at 877-443-9467.
Overview of Rheumatoid Arthritis
Rheumatoid Arthritis (RA) is considered a chronic multisystem disorder characterized by a severe inflammatory response. The cause of RA is unknown, but it is closely associated with an autoimmune origin.
The areas of the different tissues and organs particularly the synovial joints of the hands, wrists, fingers and knees are commonly affected by Rheumatoid Arthritis.
The damage may involve simple cartilage destruction or advanced bone erosion. Common symptoms during the early stage of RA include generalized weakness, loss of appetite or vague muscle and bone aches and pains.
During the advanced stage, however, RA may manifest joint pain, stiffness, swelling and loss of function. In cases where cartilage destruction or bone erosion is diagnosed, tissue contracture or bone deformities may be observed.
Related Keywords: rheumatoid arthritis, osteoarthritis, arthritis, synovitis