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Rheumatoid Arthritis Life Insurance

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Rheumatoid Arthritis Life Insurance

The Insurance Surgery is a leading life insurance expert for people with pre-existing medical conditions such as Rheumatoid Arthritis. Our team of expert insurance advisers has been helping people looking for Rheumatoid Arthritis life insurance to find the best possible cover and insurance providers as well as help to save them money. Life insurance, critical illness cover and income protection are all designed to ensure that you and your loved ones or your business if you are self-employed, are financially secure if anything should happen in the future.

How Rheumatoid Arthritis Insurance works:

Rheumatoid Arthritis Life Insurance premiums and terms will depend on several key factors, such as:

  • Date of diagnosis
  • Frequency of symptoms
  • Severity of symptoms
  • Medication / Treatment
  • Related conditions

The Insurance Surgery is a leading life insurance specialist for people with all types of Arthritis, such as Rheumatoid Arthritis. Our team of expert advisers has helped to provide financial protection for thousands of individuals, families and businesses to get the cover you need at the right price. We aim to save you money on life insurance as well as making sure that you have the best possible cover for your family now and in the future.

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Rheumatoid Arthritis Life Insurance

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.

Rheumatoid Arthritis Critical Illness Cover

Critical illness cover for people with Rheumatoid Arthritis is also generally readily available and usually on favourable terms / rates, especially for people with mild symptoms. As with life insurance, Rheumatoid Arthritis critical illness cover will usually require supporting evidence from your GP or specialist and some additional information regarding your condition. As with most applications for critical illness cover where there is some sort of medical history or disclosure, terms for Rheumatoid Arthritis critical illness cover can also be offered on special terms which could mean exclusions for your condition and any related conditions and/or some kind of additional loading to your premium.

For anyone with more severe / regular flare ups and taking higher levels of or more serious medication there will probably be an additional loading and/or special terms imposed for Rheumatoid Arthritis critical illness cover.

If you have applied for Rheumatoid Arthritis critical illness cover in the past and had cover accepted on special terms or even been postponed / declined cover then it will usually be worth reviewing your cover to see if premiums can be reduced or terms can be improved.

Rheumatoid Arthritis Income Protection

Generally it can be more difficult to get cover for Rheumatoid Arthritis income protection due to the related musculoskeletal issues and the amount of claims for income protection specifically relating to musculoskeletal problems. Due to the increased risks of these types of complications and problems, we find that most mainstream insurance providers would not offer Rheumatoid Arthritis income protection cover and therefore we would usually need to apply to specialist insurers. If cover was available then it would usually be accepted on the basis of special terms being imposed and usually with some sort of exclusions to the policy.

Case Study 1

  • Client: Female
  • Age: 51
  • Smoker status: Non-smoker
  • Medical condition: Palindromic rheumatism
  • Cover date: 15th August 2019
  • Product type: Level life insurance & Accident & Sickness Cover
  • Cover amount: £75,000 Life Insurance and £1,000 Accident & Sickness Cover
  • Cover term: 25 years
  • Premium: £28.19 and £55.88

We were approached by this lady on the 12th August 2019, when she called in to enquire about what life insurance we could find for her. Our advisor Mark S answered the call and discussed her life insurance needs and pre-existing medical conditions. At this point she explained that she was looking for life insurance and income protection and that she suffers from mild palindromic rheumatism which she takes medication for. Our advisor Sam P then got in touch with her to secure her income protection. He was able to secure Accident & Sickness Cover with one of our specialist providers for £55.88 a month. Mark S then secured her £75,000 of life insurance over 25 years for £28.19 per month. Both of these outcomes are an extremely positive result as palindromic rheumatism can be difficult to secure cover for, especially Income Protection, due to the possible flare ups that the illness causes. Furthemore, the lady was overjoyed that we were able to secure her the cover that she needed within her budget.

As a whole, this is a great outcome as the lady secured herself the cover that she needed for a price that she can afford. As well, we managed to secure the lady cover that she previously could not find on her own and the premiums that we found her are extremely good, especially when considering her medical history.

Independent Reviews at

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The Insurance Surgery Ltd is rated 4.9/5 based on 1477 reviews. Read our reviews

'Great customer service, very helpful and quick response' Sam was very helpful, very well informed and explained everything in detail to the best of his knowledge. I am very happy with his advice and outcome. I will definitely recommend his services. Very good and professional service. 4.9

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