Rheumatoid arthritis (RA) affects over 70 million people in the US and is an autoimmune disease. The disease causes chronic inflammation of the joints and other areas of the body. As many as every three adults have arthritis in some form. It results in swelling, stiffness, and pain. If it persist over time it can cause tissue damage.
In extreme cases, arthritis can lead to lost time at work, and even crippling disability. Arthritis causes joint inflammation, and when it becomes chronic, it interferes with normal joint movement and can cause severe joint pain.
Rheumatoid arthritis can affect people at any age and it becomes progressively more common with age.
American College of Rheumatology states that “Rheumatoid arthritis (RA) is the most common type of autoimmune arthritis. It is triggered by a faulty immune system (the body’s defense system) and affects the wrist and small joints of the hand, including the knuckles and the middle joints of the fingers.”
Rheumatoid Arthritis and Life Insurance
The great news is that in most cases rheumatoid arthritis is a low underwriting risk to most insurance company, as the disease can be easily managed with medication and exercise. Most insurance companies don’t even ask about arthritis and will quickly issue you a low risk standard life insurance policy at their best rates if your condition is well managed. That of course is if the applicant has no other major health issues and is not disabled by the condition. Therefore in most situations, rheumatoid arthritis is seen as a common health condition that will not affect your application for life insurance coverage.
Some causes and symptoms of Rheumatoid Arthritis
- Chronic inflammatory disorder in joints of hands and feet
- Tender, warm, swollen joints
- Morning stiffness that may last for hours
- Firm bumps of tissue under the skin on your arms
- Fatigue, fever and weight loss
- Shortness of breath or chest pain
- Inability to move or raise your hand or foot
- Spots on or around fingertips
- Red, inflamed eyes
- High fever and other signs of infection
- Bone fracture
Treatment Goals For Rheumatoid arthritis
A rheumatologist goals for treating and managing RA to be proactive in pain management, reduction of inflammation, slowing of joint damage. As well as improvement in the overall well-being of the patient. Early intervention and proper care provide the best opportunities for a positive outlook. A good rheumatologist, or rheumatoid arthritis doctor, will work with you in formulating a wellness plan that works best for your condition. The plan will include movement and exercise activities, as well as pain management.
Life Insurance Risk Factors Associated With Rheumatoid Arthritis
The more risk a particular client poses, the higher their premiums will be. Each life insurance company is different and sometimes they apply different risk factors to the same condition. Some risk which are considered too high for a life insurance company to absorb will be declined. In most cases rheumatoid arthritis is considered as a low risk and the insurance company will issue a standard policy at best rates.
The underwriters which are people responsible for assessing risk will ask you questions about your diagnosis, duration and frequency of flareups, any deformities from RA. If you have any disabilities from RA you may then be considered a high risk and qualify for a Modified Benefit Policy at a higher rate. As you know life insurance companies manage risk, the higher the risk the higher the premium.
If you are applying for a fully underwritten life insurance policy there are key factors that carriers will want to know about your rheumatoid arthritis. It’s important to remember is that in most cases you have multiple options. If you want to avoid a medical exam, you can apply for a simplified issue policy. If you want to avoid any medical exam or health questions, you can apply for a guaranteed issue policy.
You Can Get Life Insurance Coverage
If you have Rheumatoid Arthritis
If you have Rheumatoid Arthritis or have any other illnesses, fill out the contact form above for a Quick Quote from a Licensed Senior Life Insurance Professional in Your State. Your policy can cost as little as $1 a day.
Applying For Life Insurance With Rheumatoid Arthritis
To get the most affordable life insurance coverage with Rheumatoid Arthritis you need to talk with a life insurance agent that have the necessary connections with the right type of insurance companies. Our agents at Senior Care Life will assist you in obtaining the coverage you need at a rate you can afford. Our Agents specialize in knowing the most affordable coverage options with the best life insurance companies for your condition.
Keeping Your Life Insurance Premium Low With Rheumatoid Arthritis
There are also things you can do to help getting affordable coverage, like doing your best to stay healthy and avoid smoking. While a guaranteed issue life insurance policy may cost more than a standard policy, you will not have to worry about the possibility of being rejected due to your health issues. Even If your health condition is deteriorating, you can still get coverage if you meet our carriers qualifying age; 50 – 85.
Some Policies Require No Medical Exam Or Health Questions
With some of our policies you will not have any health questions or medical exam to qualify for coverage. People with Rheumatoid Arthritis can lead a full and normal life if their condition is detected early and properly treated. With today’s high medical cost, any money saved will help in reducing your over all monthly expenses in managing your Rheumatoid Arthritis health condition. Your agent will know about the insurance companies underwriting criteria and requirements for life insurance coverage with Rheumatoid Arthritis.
If you have already requested your senior whole life insurance quote, our agents will call you back soon as possible to discuss your condition and give you a free no obligation quote on your whole life insurance policy.