Arthritis And The Effects On Life Insurance Rates

rheumatoid arthritis insurance coverage
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Are you in need of life insurance, but suffering from arthritis at the same time? If so, you need to know that you may encounter a few obstacles in obtaining coverage from the life insurance underwriter’s perspective.

What is the best life insurance company for Arthritis? Discovering which life insurance companies that have favorable underwriting guidelines related to arthritis is extremely important. You can always rely on Life Insurance Blog to find these companies for you.

How To Get Life Insurance With Arthritis The Easy Way!

Here are the 7 steps on how to get life insurance with arthritis (with photos). 

work with an independent life insurance agent


Use an independent life insurance agent that has access to multiple companies in order to find the best one for arthritis.

contact a life insurance agent


Your agent will listen to you about the severity of your arthritis as well as your  goals for coverage. They will also ask you the questions that a life insurance company underwriters will want to know.

life insurance agent will shop your case


Your agent is like your personal shopper. They will find the best life insurance company for arthritis base on your specific details.

choose your life insurance policy


Once the best life insurance company has been found, choose the policy that meets your specific needs and budget.

apply for life insurance


Your agent will help you apply quickly and easily online or over the phone.

life insurance underwriting


Once the underwriting process is completed you will be notified if you have been approved.

buy your life insurance policy


Once your application is approved, you can decide if you want to buy the life insurance policy and put it in force.

How To Get Life Insurance With Arthritis

When you have a health condition like arthritis, it’s a bit more challenging getting an approval with insurance companies. Every condition presents its own challenges and arthritis is no different.

You should definitely read this article if you are looking for the best life insurance plan with arthritis. Here is what you have to ask:

  • It is possible to get life insurance, even though I’m suffering from arthritis?
  • When choosing the life insurance with arthritis, what rate class may I qualify at?
  • What are the steps involved in obtaining life insurance with arthritis?

We need to analyze your arthritis first

You probably know all about arthritis, but you need to know how the life insurance company underwriters will look at your arthritis. How severe? Is it too risky for them to even offer you a policy? Each company is different, so we need to make sure we only shop with the most favorable carriers. 

The inflammation that occurs in the region where bones normally meet is called arthritis. It not only prevents movement, but it is destroying the joints as well. Rheumatoid and osteoarthritis are the two kinds of arthritis that life insurance carriers will concentrate on.

Also viewed as being an autoimmune disease, rheumatoid arthritis is an inflammatory arthritis. To put it simply, the immune system will start to attack the body’s own tissues, triggering a sort of pain in the region where the bones meet. Rheumatoid arthritis is a condition affecting about 1% of the U.S. population.

More than 25 million people who live in the United States are suffering from osteoarthritis. The fact that the cartilage breaks down will lead to serious pain and loss of movement since the bones rub together. This condition is practically defined by this cartilage breakdown.

It is possible to debilitate both forms of arthritis.

If I have arthritis, can I obtain life insurance?

Yes, you can surely obtain life insurance. Here are the things on which the approval will depend:

  • Your type of arthritis condition that you are suffering from
  • The degree of pain or discomfort caused by the condition
  • The type of medications that you take to control your arthritis
  • Your arthritis diagnosis date

Do you have severe rheumatoid arthritis? There is the option to search for a guaranteed issue life insurance policy. A GI policy is a life insurance policy without a medical exam and it does not have any health questions. This policy is best suited for those who have a case of severe rheumatoid arthritis.

Which Life Insurance Rate Class Can I Qualify For?

There are nearly 16 different rate classes provided by life insurance companies. The cost of your policy will be determined by the rate class for which you can qualify for. Moreover, deciding on the proper company for life insurance with arthritis will make a huge difference. 

How huge of a difference?  

Depending on the company, you can go anywhere from the Preferred health classes available to receiving Table Rates – or worse… declined.

life insurance table rating

Not all companies look at your arthritis the same. Your goal is to only apply with companies that won’t deny you or give you a high health class rating.

A preferred health class rating can be possible for those with osteoarthritis who have mild pain.

The health class rating you are given will be made by how severe your osteoarthritis is. In case the disease interferes with your daily activities, then the risk will be much higher. A higher risk will automatically bring a more expensive premium.

A health class rating of standard and below will be offered to those who have moderate to severe osteoarthritis pain.

The majority of people with controlled rheumatoid arthritis who consume a non-steroidal anti-inflammatory drug may qualify for a standard rate class. This is typically a best case scenario. 

With a Table B or C – health class rates will be offered to most people in this scenario. What if you take medications like Methotrexate or Prednisone?  

If you use these medications for rheumatoid arthritis you will most likely receive a health rating of Table B – Table H.

For serious cases of rheumatoid arthritis, there are no fully underwritten policies that can be obtained. You should look at a guaranteed issue life insurance policy if you are suffering from severe rheumatoid arthritis. These policies do not have a medical exam and do not contain health questions when you apply.

How do we decide which life insurance policy for my arthritis?

You may need a guaranteed life insurance policy. A guaranteed life insurance policy may be your best option for those who exhibit moderate to severe rheumatoid arthritis.

There is no medical examination and no health questions involved in a guaranteed issue policy. It will take up to 72 hours to approve your case.

You have more options with Mild to Moderate arthritis

Those who suffer from mild to moderate arthritis have more options.  You will be able to apply for a simplified issue life insurance policy. 

These policies don’t require a medical exam and there are a series of questions on simplified issue policies.  The application will ask some basic questions about your lifestyle and your health. The life insurance company will perform a background check on your past and current use of medications.  However, you can also find additional no exam simplified issue policies which will ask only a few questions without the background check. 

The severity of your arthritis and the medications you take at the present time will determine what no exam policy can qualify for.

There is a medical exam involved in a totally underwritten life insurance. After arriving at your home, the examiner will check your height, weight and will take a small amount of blood and get a urine sample. The next step will be to process your lab results. Your past and present physician statements will be requested by the carrier in order to analyze your medical records. A prescription database check will also be performed by the carrier to identify the medications you are currently taking and have taken in the past. A particular rate class will be assigned to your specific risk after the carrier finishes analyzing your risk level. You will receive your approval after an assigned agent at Life Insurance Blog follows up with you.

Don’t worry

You don’t have to do anything while we are taking care of the entire process. You need to know that no life insurance carriers are identical in regards to underwriting arthritis! The specifications of qualifying for coverage differ from one life insurance carrier to another.

You can consider the life insurance industry as any other industry on the market. The competition between insurance carriers is really high.  Since the market is competitive, companies often find a niche to gain business. There are companies that look more favorably toward arthritis than others.  Our job is to find the best company based on your specific arthritis situation.

Best Life Insurance Company for Arthritis?

Life insurance companies cater to specific “niches” in order to be the top carrier in specific markets. So certain life insurance companies may be better for certain conditions. In other words, there is no best company for Celiac Disease, OsteoporosisAngioplasty….or Arthritis. It ultimately comes down to your specific health & lifestyle — and matching it with the company who will offer you the best rate.


When you work with Life Insurance Blog you get individual attention.  You’ll be assigned an agent dedicated to you from start to finish.  Your agent will help qualify you, apply, and provide updates throughout the process. 

Once you are approved, you’ll be able to review the application and see if your approval is still the best deal available.  We shop for you at the beginning -and- at the end.  This guarantees your are getting the best price with the top company available.

Let’s get started! Contact us or simply fill out our free quote form for arthritis. We’ll get to work right away for you.

Best Life Insurance Company for Arthritis?

Life insurance companies cater to specific “niches” in order to be the top carrier in specific markets. So certain life insurance companies may be better for certain conditions. In other words, there is no best company for Celiac Disease, OsteoporosisAngioplasty….or Arthritis. It ultimately comes down to your specific health & lifestyle — and matching it with the company who will offer you the best rate.

Michael Quinn

Michael Quinn

Michael is a licensed life insurance agent, expert & owner of Life Insurance Blog. LIB has helped thousands of shoppers understand life insurance and secure affordable coverage.
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Michael Quinn
Founder – Life Insurance Blog

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