People who suffer from Rheumatoid Arthritis looking for life insurance will generally be able to get cover fairly easily in our experience and can be accepted at standard rates. Rheumatoid Arthritis life insurance terms will generally depend on a number of factors, including:
- When you were diagnosed
- How often you have flair ups
- Severity of your symptoms
- Medication / treatment (e.g. name and dosage)
For people with mild symptoms and good control (mild medication), it should be possible to get cover for Rheumatoid Arthritis life insurance with no additional premium loading (standard rates). Most individuals we see who suffer from Rheumatoid Arthritis looking for life insurance are able to get the cover they need with no loading or possibly a small loading to the premium.
Rheumatoid Arthritis life insurance premiums for more severe symptoms which could include more regular and stronger flare ups requiring stronger treatment / medication. Anyone with Rheumatoid Arthritis having higher levels if treatment such as Mothotrexate, Leflunomide, Sulfasalazine etc. (Disease-modifying anti-rheumatic drugs or DMARD’s) or Biological Treatments will usually find that there will be a loading to their Rheumatoid Arthritis life insurance premiums.
If you have applied for Rheumatoid Arthritis life insurance in the past and especially if you have had cover accepted on special terms then it could be worth reviewing your cover based on your current circumstances and potential improvements in underwriting.