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Life Insurance Approval with Arthritis

in Muscular, Bone & Joint Problems

Life Insurance Approval with Arthritis

At High Risk Life Insurance Agency, we can help you with Life Insurance Approval with Arthritis!

We know it can be frustrating searching for a life insurance policy with a history of Arthritis.

Luckily, you’ve come to the right place.

At High Risk Life Insurance Agency, we specialize in “high risk” life insurance.

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 Arthritis? And if so…

2. How much will it cost?

Can I Qualify for Life Insurance if I have Arthritis?

Yes, most individuals with Arthritis will be able to qualify for traditional life insurance, the type of insurance which requires a medical exam.

But you won’t be able to get this rating through your auto insurance company.

How Much Will it Cost?

Best Case Scenario – Osteoarthritis usually gets a “Standard” rating, since it is not associated with any other medical conditions. The symptoms of mild to moderate joint pain and loss of function are only due to the normal degenerative process. If, however, there are other medical conditions that aggravate the condition, a “Mild Substandard” rating may be given. Click here for quote at “Standard” or “Mild Substandard”.

Moderate Case – Those with other medical conditions like gout, infection or allergy may present arthritic symptoms. If the symptoms of inflammation are controlled and complications of functional disability are not present, then a “Medium Substandard” rating may be given. Click here for a quote at “Medium Substandard”.

Severe Case – With systemic related arthritis such neuropathic arthritis and systemic arthritis, the best possible rating that may be given is at a “Severe Substandard” rating. The reason being that the risk of complications with other organs is too high.  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 (Standard, Mild Substandard, Medium Substandard or Severe Substandard), please see the questions below:

How many years since you were diagnosed with Arthritis?

Arthritis is an irreversible, but a manageable condition if detected early and given appropriate treatment. The symptoms presented and the length of the diagnosis may give insurance companies an idea whether a condition is controlled or not.

What type of arthritis is your condition? 

If it is osteoarthritis and the symptoms are controlled, then a Standard rating may be given. Other types of arthritis will require a thorough assessment and evaluation by a physician before a rating can be given.

Have you experienced any severe symptoms within the last six months? 

Severe symptoms of inflammation may be detected as lack of control of the condition and be rated at Severe Substandard or in worst cases a decline.

Are you taking any maintenance medications and for how long?

Long-term use of arthritis medications like pain relievers and NSADs may have systemic adverse effects if used for a long time. It can cause damage to the kidneys, liver or the digestive tract. It is very important, therefore, to establish the length of time for these medications and to determine the absence of possible complications.

Do you have regular check-ups with your rheumatologist?

Regular visit to your doctor will establish management and control of your arthritis.

They are the best source of your overall health and medical condition.

Have you had any relevant diagnostic tests in the past 6-12 months? 

Recent laboratory and diagnostic tests like x-ray of the joints and blood exams are the best way to assess your actual condition. This may also confirm your compliance with your physician’s management.

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.

How to Get a Quote

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 Arthritis

Arthritis is the inflammation of one or more joints anywhere in the body. The five signs of inflammation include pain, swelling, warmth to touch; redness and loss of function are all manifested in arthritis.

There are about a hundred different types of arthritis, but the most common is osteoarthritis. This type is a joint condition associated with ageing and bone degeneration.

Among some of the types of arthritis include Osteoarthritis, Rheumatoid Arthritis, Gouty Arthritis, Infectious or Septic Arthritis, Reactive Arthritis, Psoriatic Arthritis, Systemic Arthritis, Neuropathic Arthritis and many others.

In most types of arthritis the common symptoms include mild to severe level of pain, joint stiffness especially in the early morning, swelling, loss of joint function and muscle aches and pains.

Related Keywords: Arthritis, Osteoarthritis, Rheumatoid Arthritis, Gouty Arthritis, Infectious or Septic Arthritis, Reactive Arthritis, Psoriatic Arthritis, Systemic Arthritis, Neuropathic Arthritis


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