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Rheumatoid arthritis life insurance

Life insurance doesn’t need to be hard to get or overly expensive for people with rheumatoid arthritis. With the help of an expert, life insurance with rheumatoid arthritis can be easy, simple – and most importantly affordable.

There are some great budget-friendly options available for rheumatoid arthritis life insurance and our specialists know just where to look. With over 20 years of expertise, we’ve talked to many people with arthritis and helped them find the best cover to protect their homes and families.

We all want to look after the people we care about, and life insurance is an easy way to offer yourself and your loved ones some peace of mind. If you’re curious about how life insurance works with rheumatoid arthritis, we’re going to tell you everything you need to know.  

Why are we rheumatoid arthritis life insurance experts?

We understand that not everyone is going to know a lot about life insurance, which is why we work hard to provide as much useful information as we can. We’ve heard all the questions about life insurance and rheumatoid arthritis, so we know what people usually want to know.

Our rheumatoid arthritis life insurance experts can offer a helping hand with:

  • Recent arthritis diagnosis and life insurance
  • How to find the best prices for rheumatoid arthritis life insurance
  • Life insurance with multiple medical conditions
  • Which insurers work well for someone who has rheumatoid arthritis
  • Life insurance with other forms of arthritis e.g. osteoarthritis

Life insurance is the best and cheapest way to protect your family’s finances and rheumatoid arthritis (RA) shouldn’t prevent you from getting the cover you need. Our team’s mission is to help people with all kinds of medical conditions find the perfect cover to protect their loved ones for years to come.

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YES – rheumatoid arthritis is generally considered to be a milder medical condition, so isn’t likely to cause issues when applying for life insurance.

Most insurers in the UK would have no problem considering an application for someone with RA.  There are a range of great options available for life insurance with rheumatoid arthritis, you just need to know where to look.

What is the best life insurance for rheumatoid arthritis?

You might be surprised to realise there are a few different types of life insurance that are available. Everyone is different so there isn’t one ‘best’ type of life insurance for people with rheumatoid arthritis.

Each type of policy works well in different situations, which means it’s worth looking at all your options before choosing your policy. These are the main choices for life insurance in the UK:

If you’re not sure about how life insurance would work for you, this is everything you need to know. All life insurance applications will include some basic questions about the cover you need and your health and lifestyle.

Someone with rheumatoid arthritis or other autoimmune conditions will normally need to answer a few extra questions about their health. Some common questions include:

  • Are you awaiting any hospital referrals, results, scans, tests or investigations?
  • Have you had eye inflammation, lumps, breathing problems, or joint surgery?
  • Have you experienced other health issues such as heart, liver, or kidney problems?
  • Do you have any joint, mobility or joint movement problems?
  • Have you been prescribed any medication in the past 12 months?
  • How many of your joints are affected and do you need any walking aids?

Does life insurance pay out for rheumatoid arthritis?

YES – though rheumatoid arthritis isn’t life threatening, but if you died from something related then your life cover will pay out.

Life insurance pays out a cash lump sum to support your loved ones financially during an extremely difficult time. The money can be used for anything but is commonly used for:

  • Funeral costs
  • Mortgage or rent payments
  • Cost of living
  • Repaying debts
  • School fees
  • And more…

YES – there are a lot of insurers who will be happy to offer critical illness cover to someone with rheumatoid arthritis.

People who have milder symptoms and minimal impact on lifestyle will normally have no problem getting critical illness cover at a fair price. Options can be a little more limited if your symptoms are more severe, which is where it can be helpful to speak to an insurance expert.

Does critical illness cover pay out for rheumatoid arthritis?

Not all policies will pay out for rheumatoid arthritis, but most of them will cover you for related conditions such as heart disease. Critical illness cover is designed to support you with a cash lump sum if you’re diagnosed with a serious health condition.

This can give you some reassurance that if your condition was to become worse or develop into something more serious, you should be covered. You can use the money from a critical illness pay out to pay for:

  • Mortgage or rent payments
  • Loans and debts
  • School fees
  • Ongoing cost of living

Will I need a medical to get rheumatoid arthritis life insurance?

This really depends on the insurer that you are talking to. In many cases, it’s possible to be accepted for cover straight away without needing to provide extra medical evidence.

If you are asked for more information, this will normally be a report from your doctor or GP. This isn’t anything to worry about as this is something that often happens for people with medical conditions.

How much is life insurance for rheumatoid arthritis?

It’s important to consider how much life insurance cover you need, the type of policy and how long you want the cover to last. Thinking about these can help you get a rough idea of cost before you apply.

Prices for life insurance will always vary from person to person, but luckily there are a few factors that all insurers will look at.

The main factors insurers will consider are:

  • Your age
  • Your height and weight
  • Occupation
  • Overall health
  • Lifestyle factors (e.g. high risk hobbies)
  • Smoker status

For people with rheumatoid arthritis, insurers may also look at things like:

  • When you were diagnosed
  • If you have any related medical conditions
  • Medications/treatments

There are some simple steps you can take to help lower the cost of your life insurance policy. Here are some of our main tips to finding cost effective cover at a price to suit you:

  1. Shop around: You can usually save money by looking around and checking prices across multiple providers.
  2. Change your lifestyle: You can make small lifestyle changes such as losing weight or exercising, which can help reduce the cost of your cover.
  3. Quit smoking: Smokers tend to pay more for life insurance so quitting or cutting back can dramatically affect the price you pay. Prices can drop by as much as 50% once you have stopped smoking for 12 or more months.
  4. Speak to a life insurance expert: A specialist who has the right experience and knowledge will know where to look for the lowest prices.
Does rheumatoid arthritis affect life insurance?Your policy shouldn’t be any different just because you have rheumatoid arthritis.  
Standard life insurance will cover pre-existing medical conditions. You just need to make sure you tell the insurer about any medical conditions you have when you apply.
Why can’t I get life insurance with rheumatoid arthritis?Some insurers are simply better than others for people with medical conditions like rheumatoid arthritis. If you apply to an insurer with a poor understanding of RA, you may end up being declined cover.  

We’d recommend speaking to an expert if you’ve had applications declined in the past. This shouldn’t stop you getting covered now and a specialist will know which insurers will be your best options.
Is rheumatoid arthritis considered a critical illness?This depends on your insurer and the policy you have chosen.  
Even if RA isn’t covered by your policy, it’s likely that many arthritis related conditions are e.g. heart disease.
Can you claim on life insurance for arthritis?YES – if you were to die and you have life insurance, your loved ones will be able to claim on your policy.

Below we have more helpful information about rheumatoid arthritis and some helpful links we have found for resources and charities who can help.

Medical conditions linked to rheumatoid arthritis

Celebrities with rheumatoid arthritis

Rheumatoid arthritis is a pretty common medical condition affection millions of people across the world. There are many public figures who have been diagnosed with rheumatoid arthritis such as:

Rheumatoid arthritis charities and support UK

There are some brilliant charities currently working to support people with arthritis in the UK including:

Rheumatoid arthritis statistics UK

According to the National Rheumatoid Arthritis Society:

  • Around 1% of people in the UK has rheumatoid arthritis
  • More than 400,000 UK residents has rheumatoid arthritis
  • RA affects around 2 to 3 times more women than men
  • The most common age group to develop RA is age 40-60 years

Common questions about rheumatoid arthritis

What are usually the first warning signs of rheumatoid arthritis?There are several normal signs of developing rheumatoid arthritis that include:

Fatigue or tiredness
Weight loss
Joint pain
Redness of skin
Is rheumatoid arthritis very serious?This is a serious autoimmune disease where your immune system attacks your body’s tissue. This then causes severe pain in joints, fatigue, and sometimes deformity.

It generally affects people in their 40’s to 60’s but it can happen at any stage in life.
Can you live a long life with rheumatoid arthritis?It is possible to live a long and healthy life with rheumatoid arthritis, however, there is a link between the condition and shorter lifespan.
According to research, people diagnosed with rheumatoid arthritis will have a lower life expectancy of between 10 and 15 years.

Learn more – Average life expectancy UK
What are the 4 stages of rheumatoid arthritis?There are 4 key stages of rheumatoid arthritis:   STAGE 1: Early stage RA STAGE 2: Moderate stage RA STAGE 3: Severe RA STAGE 4: End stage RA

Useful resources

NHS – Rheumatoid arthritis

Mayo Clinic – Rheumatoid arthritis – Symptoms and causes

NHS Inform – Rheumatoid arthritis

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Can I get life insurance with pre-existing conditions?

Yes, you will be able to get life insurance with almost any pre-existing medical condition, as long as it is not terminal. If traditional life insurance is not available due to the severity of your symptoms, then there are other guaranteed and specialist life insurance options, such as:

  • Accidental death
  • Over 50s life insurance
  • Guaranteed life insurance

Some of the most common examples of life insurance with pre-existing conditions are:

  • Overweight or High BMI life insurance
  • Diabetes life insurance (e.g. Type 2 or Type 1 diabetes)
  • Cancer life insurance
  • Heart attack or heart disease life insurance
  • Mental health life insurance
  • Multiple Sclerosis life insurance
  • Autoimmune disorders life insurance
  • HIV life insurance

There are literally thousands of types and variations of pre-exisiting medical conditions and so your situation is likely to be different to someone else. Life insurance with pre-existing conditions will take a number of elements in to account:

  • Severity and type of symptoms
  • Dates of diagnosis, episodes or attacks, and treatments
  • Any ongoing treatment and medications

Your life insurance premiums will be based on your own individual circumstances and how much cover you need. You should be able to adjust the levels of cover to suit your budget and it’s just as important to make sure that you at least have some cover in place.

What does Martin Lewis say about life insurance with pre-existing conditions?

MoneySavingExpert.com suggests that life insurance will ‘cost a lot more’ with a pre-existing medical condition. This is not true and it really does depend on your own individual circumstances so don’t be put off by this as they are not experts in this area.

It is true that some circumstances where the pre-existing medical condition is serious or severe, premiums can be higher to reflect the additional mortality risks. Ultimately, your life insurance premiums are unfortunately based on how likely you are to claim or if you have a higher chance of death within the policy term.

Martin Lewis doesn’t provide any real substance to his comment about pre-existing conditions life insurance and that’s not good enough. You should speak to a medical life insurance specialist to get a fully underwritten quote before you make any final decisions about whether or not you can afford to protect your family.

How much is life insurance with pre-existing conditions?

Most traditional life insurance providers will accept applications for people with pre-existing medical conditions. Often, you will have a number of potential options from several different insurance providers so you can usually save money as well by shopping around.

Historically you might have had less offers when you apply for life insurance with pre-existing conditions, but fortunately that is changing. Most of the more well-known high street life insurance brands are now offering more competitive rates and more flexible underwriting.

Top tips to save money on life insurance with pre-existing conditions:

  • Speak to pre-existing medical conditions specialist (these companies will understand the market better and should know which insurers will be cheapest for you)
  • Shop around and get different quotes (same as everything else, by shopping around you’ll get a better idea of what a good price is and what different companies offer)
  • Apply at the best time (timing can be important when applying for life insurance with pre-existing conditions, usually when symptoms are stable and not before or after treatment)

There are also other things to take into consideration, such as if you’re a smoker or if your weight is higher than normal. Can you do anything to improve your situation that might help to reduce your life insurance premiums.

Best life insurance for pre-existing conditions?

The best life insurance for pre-existing conditions will be different for each individual, based on their circumstances and the details of their health or medical history. There are certainly some insurance providers who are better for people with pre-existing medical conditions than others, such as:

  • The Exeter (better for people with more severe symptoms and serious health problems)
  • Legal & General (can sometimes be good for certain pre-existing medical conditions, especially mild to moderate symptoms)
  • Royal London (offers a number of specialist products and policies for certain pre-existing medical conditions such as diabetes and mental health)
  • Scottish Widows (sometimes good for moderate medical conditions and offers flexible underwriting for certain conditions)
  • The Guardian (also offers flexible underwriting towards some pre-existing medical conditions)
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