Facts about Rheumatoid arthritis life insuranceHave you been diagnosed with rheumatoid arthritis or suffer from symptoms of such as joint pain? We understand that living with rheumatoid arthritis can be difficult, however with the correct medication and treatment, symptoms can ease.Here at iam|INSURED we have a set of suitable life insurance policies, available to you, to help you get through this difficult time and look towards the future. We additionally offer policies including income protection, critical illness cover and travel insurance, all suitable for people living with rheumatoid arthritis.If you are living with arthritis and would like to find out further information regarding our rheumatoid arthritis life insurance policies, contact our team today. 01244 732 890We can assure you that we only work with the top life insurance providers in the market who will offer highly valuable, yet affordable policies!How much does rheumatoid arthritis life insurance cost?When applying for rheumatoid arthritis life insurance, there are a few steps that insurers will need to take to gauge the level of coverage suitable for you. They will first ask for your medical history to understand which type of arthritis you are diagnosed with. Along with completing blood tests, they will need to know your symptoms, including any pain and swelling, along with the anti-inflammatory drugs you take to control your rheumatoid arthritis.If you have mild symptoms, where you have control over your rheumatoid arthritis with low strength medication and little side effects, standard rates should be offered.However, if your diagnosis is severe where stronger medication is required, this will result in an increase of premiums when applying for rheumatoid arthritis life insurance. Additionally, smoking increases your likelihood of developing this condition, therefore if you smoke, your premiums may increase greater.To run through our available rheumatoid arthritis life insurance policies, contact our team today on 01244 732 890.Your premiums for rheumatoid arthritis life insurance will depend on: Your current diagnosis, including the severity of symptoms, treatment, and medication. Your medical history The type of insurance product you’re looking for – (Income protection, critical illness cover, travel insurance). The term of your rheumatoid arthritis life insurance policy.Percentage (%) loading for rheumatoid arthritis life insuranceWhen applying for rheumatoid arthritis life insurance, insurance providers will take your diagnosis into consideration by using percentage loading. This is where a percentage is added on top of your premiums calculated against a risk spectrum. Please be aware that percentages will vary when applying for rheumatoid arthritis life insurance, and the below is just an example:Per mille loadings for rheumatoid arthritis life insuranceAdditional to percentage loading, you may experience ‘per mille loading’ when applying for rheumatoid arthritis life insurance. This is where an additional amount will be added to your premiums, which is calculated on the amount of cover you apply for.Exclusions for rheumatoid arthritis life insurance, critical illness cover, income protection or travel insuranceA further outcome when applying for rheumatoid arthritis life insurance is the possibility of ‘exclusions’. Exclusions are known as conditions or symptoms which may be linked or caused by your rheumatoid arthritis. In some cases, they will be excluded from your policy.To discuss how exclusions may be applied to your rheumatoid arthritis life insurance, critical illness cover, income protection or travel insurance, contact our team of experts here 01244 732 890.How much cover will I need?This is a difficult question to answer prior to receiving your personal requirements and rheumatoid arthritis diagnosis. However, if you are applying for rheumatoid arthritis life insurance, critical illness cover, income protection or travel insurance, the severity of your symptoms, along with budget will be considered. To make your own personal estimation, follow our breakdowns below:Rheumatoid arthritis life insurance amounts of coverWhen applying for life insurance cover, it can be a straightforward process for those living with rheumatoid arthritis with mild symptoms. If you are on low strength medication and can control your symptoms, a standard rate should be offered. However, if your symptoms are severe, higher premiums and exclusions may be applied when being considered for rheumatoid arthritis life insurance. Here are some factors you should think about prior to applying for life insurance: Mortgage amount (£’s) Outstanding debt (e.g. Loans, second charge, credit cards and other) Dependents Spouse or Partner Income (after Tax) Assets (e.g. car, house, business etc.)Rheumatoid arthritis critical illness cover amountsFollowing similar underwritten guidelines as life insurance, the likelihood of obtaining critical illness cover is dependent on the severity of your condition, along with the strength of your medication. If your condition is under control, your application should be accepted under standard terms. However, if high strength medication is required, along with regular flareups, critical illness cover will be offered with high premiums and exclusions including your rheumatoid arthritis symptoms. Here are factors you should consider before applying for critical illness cover: Income (after Tax) Mortgage payments (annual) Cost of living (annual) Any other possible costs (e.g. medical treatment or adaptations)Contact our team today to discuss rheumatoid arthritis critical illness cover further 01244 732 890.Rheumatoid arthritis income protection amounts of coverWhen considering income protection, insurance providers will follow very strict guidelines when considering your application. The process will differ depending on your selected provider, however your condition severity along with the medication you take will play significant factors in the decision process. It is highly likely that if you are eligible, exclusions including rheumatoid arthritis will be applied to your policy. If you are eligible for income protection cover, we recommend considering the following factors: Monthly income (after tax) Mortgage/rent payments Debts (other) Cost of livingIf income protection isn’t available, contact our team to discuss alternative accident, sickness and unemployment cover. 01244 732 890Rheumatoid arthritis travel insurance amounts of coverIf travelling abroad is on your to-do list, ensure that you have suitable travel insurance arranged for those with pre-existing medical conditions. If you would like to run through our travel insurance policies, including premiums, contact our team today!Purchasing your rheumatoid arthritis life insurance policy with iam|INSUREDIf you suffer from rheumatoid arthritis and would like to protect your future, family, and finances, contact our expert team today. They will run through all details for our rheumatoid arthritis life insurance, critical illness cover, income protection, and travel insurance policies.We assure you that we will work to find you the most appropriate yet affordable life insurance policy, suitable for your needs!Get to know who iam|INSURED are here.