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Compare arthritis life insurance UK

You’ll be happy to hear that you don’t need to have a hard time getting life insurance just because you have arthritis. Arthritis life insurance can be both available and budget friendly as long as you speak to the right people.

Arthritis isn’t something that’s life threatening, so it really should be no trouble to get life insurance in most cases. We should know – we’ve talked to hundreds of people with arthritis and helped them find the perfect policies to look after their families when they’re gone.

What matters most to us is that you get life insurance at a price that’s fair. We’ve got all the important details about life insurance and arthritis covered, so hopefully we can make things a bit easier for you.

Why are we arthritis life insurance experts?

Our team are dedicated to helping people with arthritis and other medical conditions find the right life cover at the best price.

We’ve been doing this for over 20 years, and in that time we’ve spoken to a lot of people living with arthritis. We get that life insurance can be a bit tricky or confusing and we’re on hand to answer any questions you have about:

  • How arthritis life insurance works
  • Can you get life insurance with rheumatoid arthritis?
  • Does arthritis affect life insurance?
  • Psoriatic arthritis life insurance

Getting life insurance doesn’t need to be difficult and it’s not fair that sometimes people end up finding it hard due to their health. We will always fight for fair treatment in the life insurance industry so everyone can get the amazing life cover they deserve.

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Rated "Excellent" 5 out of 5

"This company went above & beyond to get me cover even though I have MS, I am very happy I managed to get cover, Amazing staff, Dean went above & beyond, I highly rate this company."

by Elizabeth Turner-Long - 9th August 2023

YES – it can be simple and easy to get life cover with arthritis. The main thing you will need to think about is how much cover you need (£s) and the type of life insurance you want.

If you’re not sure how much cover to get, we’d suggest thinking about:

  • Do you have dependents? (children or adults)
  • Does your household rely on your income?
  • Do you have a mortgage? How much is outstanding on the balance?
  • Do you have debts to be repaid?
  • Do you have any finance agreements? E.g. car finance
  • Does your family have any savings to support them?

Life insurance works as a safety net to protect your family financially if anything happens to you. There are also a lot of options available, so you can choose the policy that works best for you.

Some of the main types of life insurance:

Someone with severe symptoms may have an impact on their day to day living. Some people with severe arthritis may even have a certain level of disability such as walking distances or the ability to use their hands.

Does life insurance cover arthritis?

YES – one of the best things about standard life insurance is that you will be protected for any pre-existing conditions. Traditional policies don’t tend to prevent (exclude) claims for medical conditions you had when you applied.

The main thing to remember is you should disclose arthritis when you apply. This is particularly true if it impacts your daily life. It’s important for insurers to have a full understanding of your health and if you miss out details, your cover could be invalid.

How does getting life insurance with arthritis work?

Arthritis isn’t a life-threatening medical condition so won’t have a major impact on your application for life cover. You might be asked to provide some information about this condition though when you apply.

Some insurers are less concerned about arthritis for life insurance than others. Certain insurers don’t ask about arthritis at all. It really depends on who you apply to.

Here are some of the questions that you might be asked when you apply:

  • When were you first diagnosed with arthritis?
  • What type of arthritis do you suffer from?
  • Does your condition have any impact on your daily activities?
  • Have you ever had any surgery or hospitalisation because of arthritis?
  • Do you take any medication or have you had any treatment?

Does life insurance pay out for arthritis?

YES – if the worst happened and you were to die, your life insurance policy would pay out a cash lump sum to your loved ones.

This money can offer much needed help at a difficult time and relieve some financial pressure. The pay out from a life insurance policy can be used in whatever way your family wishes, but is commonly used to cover:

  • Repaying a mortgage
  • Funeral bills
  • General cost of living
  • Repaying debts
  • School fees
  • And more…

If you want critical illness cover and have arthritis, most of the time this shouldn’t be any problem. If you have mild symptoms and no restrictions on mobility you’ll almost always have no issue finding cover.

For someone with more severe symptoms, the insurer might ask for some extra medical information e.g, a GP report. Don’t worry, this is normal and they’ll sort it all for you so it’s no hassle on your end.

Critical illness cover will pay out a tax-free cash lump sum if you’re diagnose with a serious illness covered by your policy. This can be a big help and support you with expenses such as:

  • Adjustments to your home
  • Private medical treatment (if needed/wanted)
  • General cost of living
  • Important bills if you can’t work e.g. mortgage payments

YES – income protection insurance pays out a monthly sum to support you if you can’t work due to illness or injury. If your arthritis causes you to need time off work, most policies will pay out.

The only exception to this is if the insurer has placed an exclusion for arthritis on your policy. Put simply, this means you wouldn’t be able to claim for arthritis related sick leave but can claim for any other reason.

Will I need a medical for arthritis life insurance?

Chances are you won’t need to supply extra medical evidence when applying for life insurance with arthritis. It all depends on what insurer you’re applying to and if you have any other medical conditions.

If the insurance provider does request medical information like a GP report, this is no reason to panic. It’s a completely normal thing to happen for people with medical conditions and doesn’t necessarily mean you’re less likely to be covered.

How much does life insurance for arthritis cost?

There a few factors that insurers will look at when deciding how much your policy will cost. This includes:

  • Your age
  • Height and weight
  • Occupation
  • Any high risk hobbies/lifestyle factors
  • Medical history

For someone with arthritis, they might also look at:

  • When you were diagnosed
  • Severity of symptoms
  • How much your symptoms impact your daily life

How to get cheaper arthritis life insurance

Here are our top tips for how to save money on life insurance when you have arthritis.

  1. Shop around: Ask a few different providers for quotes to make sure you’re happy with the price you end up with.
  2. Improve your lifestyle: Making a few simple changes like losing weight or quitting smoking can make a big difference in the price you pay.
  3. Think carefully about your cover: You can save money by reducing your policy term or amount of cover if you can.
  4. Speak to an expert: If you’re a bit stuck, it can be a good idea to speak to a life insurance specialist for extra help and advice.
Does life insurance cost more for someone with arthritis?NO – the simple answer is you shouldn’t pay more for life insurance if you’ve got arthritis.  
The key is to shop around or speak to an expert to make sure you’re getting the best price.
Will my life cover exclude my arthritis?NO – standard life insurance doesn’t generally come with exclusions for medical conditions.  
Products like guaranteed life insurance will be where you might face exclusions. We’d always recommend checking your policy documents carefully so you know where you stand.
Who are the best insurers for arthritis?This is a tricky question as life insurance underwriting changes all the time. Also what is best for one person might not be best for someone else.  
If you are in generally good health, chances are you will be able to get cheap quotes from most insurers.  
Can you claim on life insurance for arthritis?YES – if you have arthritis life insurance, your loved ones can claim in the event of your death.

Here we have some more information about arthritis that we think is pretty interesting. We’ve also included some helpful resources for anyone who needs them.

What are the different types of arthritis?

There are over 100 different types of arthritis that can vary dramatically in severity, symptoms and treatment.

The most common and well-known types of arthritis include:

Ankylosing spondylitisAntiphospholipid syndromeBahçet’s syndromeCarpal tunnel syndromeCervical spondylitis
Connective tissue disease (CTD)Degenerative arthritisFibromyalgiaGoutHammertoes
Hypermobility syndromeInflammatory arthritisJuvenile idiopathic arthritis (JIA)Kawasaki diseaseLupus
OligoarthritisOsteoarthritisOsteoporosisPaget’s diseasePalindromic rheumatism
PolyarthritisPolymyalgia rheumaticaPsoriatic arthritisSclerodermaVasculitis

Celebrities with arthritis

Many public figures have been diagnosed with forms of arthritis including rheumatoid arthritis, lupus or gout. Some of these celebrities are:

Arthritis support and charities UK

Arthritis statistics UK

  • 8 million people in the UK have osteoarthritis
  • 10 million people in the UK have a form of arthritis (approx)
  • Women are 3x more likely to develop arthritis

*according to NHS Inform

Common questions about arthritis

What is arthritis?Arthritis is a condition that causes the joints to be inflamed. This can affect one of your joints or can be several.  
Arthritis consists of over 100 different types of conditions that can have a range of symptoms. The two most common types of arthritis are Osteoarthritis (OA) and rheumatoid arthritis (RA).
What causes arthritis?A piece of connective tissue called ‘cartilage’ protects our joints from wear and tear. Cartilage is a flexible and strong substance that sits between our joints to help shock absorption during motion or movement.

When the amount of cartilage is reduced or becomes thinner than normal, this can cause some forms of arthritis. Some people naturally have less cartilage than others and some people will have different strengths of cartilage.
What causes osteoarthritis?Osteoarthritis, which is the most common form of arthritis, can be caused by normal levels of wear and tear.  
Occasionally this may be caused by an injury or sometimes an infection may be the problem. You may also be at a higher risk of developing OA if you have a family history of the disease.  
What are the symptoms of arthritis?There are several key signs and main symptoms to watch out for with arthritis. The most common symptoms are:

Muscular pain
Joint pain
Swelling of joints
Stiffness
Reduced mobility
Skin irritation (redness)

Generally, people will have more pronounced symptoms in the morning or just after a period of sleep or rest.
What are the main treatments or medications for arthritis?There are several main types of medications that are most commonly used to treat the symptoms of arthritis.
Medications for arthritis:

Analgesics including hydrocodone (Vicodin) or Acetaminophen (Tylenol) for management of pain or pain relief
Nonsteroidal anti-inflammatory drugs (NSAID’s) includes ibuprofen and salicylates which thin blood
Menthol or capsaicin cream to block pain signals in your joints
Immunosuppressants such as cortisone or prednisone can be injected into joints to reduce swelling

You may also undergo surgery or physiotherapy to improve symptoms of arthritis.

If you’re looking for more information about how to get the best insurance with arthritis then you can call our EXPERTS on 0800 009 6559.

Useful resources

NHS – Arthritis

Arthritis Foundation – What is arthritis?

Mayo Clinic – Arthritis – Symptoms and causes

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