Life insurance with Arthritis
Life Insurance is usually available for those with Arthritis or RA.
It is known however that those suffering from arthritis are more prone to suffer from other “co-morbidities”. The risk is made worse by smoking, by the medication used to treat the condition and by other factors that restrict lifestyle such as immobility.
The condition therefore can present increased risk to your longevity. Life Insurance premiums are likely to be higher. But, each person’s case is different and needs due consideration by a life underwriter.
If you have not already been declined for life cover, you could consider approaching mainstream insurers first. Some may even be able to offer instant, online cover.
Pulse Insurance specialise and may well be able to find cover for those with Arthritis and other conditions, when other insurers decline.
The following guidance is aimed at those who have been diagnosed with Arthritis.
Key Issues for Arthritis
The main aspects affecting the availability and cost of Life Insurance for those with Arthritis are: -
- Type of Arthritis
- Age when diagnosed
- Severity of symptoms
- Medication taken for arthritis
- Use of mobility aids
- Which joints are affected
- Any other complications or other conditions e.g. Cardiovascular disease, Anaemia, Osteoporosis and infections
It is quite likely that we will require a Medical Report before cover can be issued. We will discuss this with you when you enquire.
If you need a specialist underwriter
Pulse specialise in taking your Arthritis and any other specific conditions and needs into account and finding you Life Insurance cover, if it is available.
We use our knowledge and experience to find a solution when other Life Insurers have declined to quote.
Conditions which may jointly occur with Arthritis
There are some conditions where it is more common to also suffer other conditions at the same time than not. Equally, it is not always the case that these multiple conditions go hand in hand.
Some of the conditions that present along with Arthritis may present little or not additional risk. In all cases, you have multiple conditions whether directly related or caused by your other condition, please ensure you tell us about all of them.
To complete multiple conditions, select your first condition and when that is complete, you will have the option to add more one at a time till you are ready.
Other Medical Conditions with Arthritis
The following conditions are known to present alongside Arthritis and we recommend you complete our specific questions for these, if you enquire:-
If you have any other health issues or conditions where we do not have specific questionnaire, please use the general question “have you any other health Issues?” at the end to provide details.
We specifically address mental health issues in the next section.
Your application with Pulse Insurance will always be individually considered by our underwriters based on the specifics of the details you provide.
If you are at all unsure how to proceed, please to not hesitate to give our friendly Pulse Team a call on 01280 84143
Mental health with Arthritis
It is fact that coping with Arthritis can be very challenging. For some people managing life with Arthritis can have an impact on their mental wellbeing on top of the physical impact of the condition. Others may have mental health issues that are unrelated to their medical conditions.
If you have been or are affected by and treated for mental health issues, this too can impact your ability to find Life insurance and other covers. Often insurers will postpone offering cover for several years or may even decline to cover you entirely.
Pulse Insurance are experienced in helping people find Life Insurance when they have previously suffered mental health issues alongside or as a consequence of their other medical condition(s).
It is not always possible to find cover where severe mental health issues are ongoing, but we like to think if cover is available, we can find it.
If Mental Health is relevant to your situation, you can complete details about your Arthritis and then select to add or review details about this.
Why Pulse Insurance?
- Pulse Insurance have been focused on finding unusual cover since 1998
- We strive to offer a caring and sensitive service
- We are knowledgeable insurance professionals who work as a team
- We provide a personal service to guide you through
- If we cannot help, it will not be for the want of trying or know-how
While finding cover for everyone is not always possible and the premium will be higher to reflect increased risk, we like to think we are good at helping people find the cover they need.
In almost all Arthritis cases we can offer indicative premiums and/or sense of if cover may be available early on; so, you can decide to proceed or not.
It is always important to declare your Arthritis and any other medical conditions completely.
Your Personal & Medical Details
Everything you disclose about your Arthritis to any life insurer or life agent should be treated with sensitivity and appropriate levels of privacy.
Every person with more severe Arthritis knows that their state of health, any complications and their lifestyle will impact their risk and the cover available. These factors will be explicitly considered when determining the fair premium, you would pay.
Life cover is issued based on a “snapshot” of your health. Once your policy has been issued, neither your premium or your cover will be adversely affected if your health subsequently worsens.
Requirements for more information
While our initial enquiry may not gather enough information to provide an indication of cost, our insurers may ask for more in depth information regarding your Arthritis and/or any other conditions. Sometimes the details you can provide may allow them to reduce the premium they seek.
As you have a medical condition, it is possible that underwriters will need to seek a Doctor’s report or for you to undergo medical examinations, blood tests or other tests that will confirm your health to allow them to quote an accurate premium and confirm cover details. The costs involved in obtaining the medical information are usually paid by the underwriter, but if not, you will be informed before they are requested.
Pulse will never sell your details to anyone. We will use your details to provide the service you have asked for according to the permissions you grant us– read our Privacy and Data Protection policy in full.
Pulse may be able to offer covers beyond everyday Life Insurance to give you the peace of mind and protection you desire.
- Beyond Life Insurance
- More Life Insurance
The reasons you may need life cover may be simple or complex, but having the right covers brings peace of mind for you and your family.
Useful Arthritis resources
We suspect if you have read this far, you are relatively well informed about your Arthritis.
You may know of or find these external resources useful; although Pulse are inevitably not responsible or in control of the accuracy or nature of the information provided.
For Pulse Intermediaries
The following details may help you when competing an application for your client.
Medications and Treatments
The medicines and some brand names are included in parentheses: -
Common types are Disease-modifying antirheumatic drugs (DMARDs) and Biological therapies including:
Aspirin (Anadin, Disprin)
Certolizumab Pegol (Cimzia)
Chloroquine Phosphate (Avloclor)
Ciclosporin (Neoral, Sandimmun)
Codeine/Paracetamol (Co-codamol, Solpadeine)
Cytokine Modulators Or Monoclonal Antibodies
Dexamethasone sodium phosphate (Dexsol)
Diclofenac potassium (Voltarol Rapid)
Diclofenac sodium (Econac, Motifene, Pennsaid, Voltarol, Voltarol Dispersible)
Etodolac (Eccoxolac, Lodine)
Hydrocortisone acetate (Hydrocortistab)
Hydroxychloroquine Sulphate (Plaquenil)
Ibuprofen (Anadin Ibuprofen, Brufen, Calprofen, Cuprofen, Hedex Ibuprofen, Nurofen)
Ketoprofen (Ketocid, Ketovail, Orudis, Oruvail)
Lidocaine/Methylprednisolone acetate (Depo-medrone with Lidocaine)
Mefenamic Acid (Ponstan)
Methylprednisolone acetate (Depo-Medrone)
Mycophenolate Mofetil (MMF)
Naproxen/Esomeprazole magnesium trihydrate
Prednisolone acetate (Deltastab)
Prednisolone Sodium Phosphate
Rituximab Sodium Aurothiomalate
Sodium Aurothiomalate (Myocrisin)
Tiaprofenic Acid (Surgam)