Arthritis & Life Insurance
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Arthritis can affect people in very different ways. For some, the condition can cause significant pain, making it hard for them to walk, sleep, even stopping them from wearing clothes with buttons on.
For others, arthritis can be managed with a few lifestyle changes, even though the discomfort of the condition is still there.
When it comes to life insurance we know that with modern medication and treatment, arthritis does not significantly affect the lifespan of many people that have it. And yet, getting life insurance can sometimes be more difficult to get.
While we appreciate that arthritis is a lifelong condition, for many people there will be few if any serious complications associated with it. This means that you may be able to get standard terms for life insurance. This is when the premium and terms that you are offered are the same as they would be for someone that doesn’t have arthritis.
In other cases where the arthritis stops you from being able to work, to regularly be unable to do your normal day to day activities, you may be offered non-standard terms (higher pricing). You may also find this depending upon the types of medication you use to control your symptoms.
When deciding what cover to offer, Insurers will want to know as much as possible about your condition, including:
- The treatment and medication you are receiving?
- The extent of your symptoms?
- How long have you had arthritis?
- Information about any complications?
Where the symptoms of your arthritis are strong and it affects many parts of the body, the insurer may ask for permission to see a report from your GP (at their expense). This is so that they can get as a full a picture as possible of your arthritis and general health.
For all of our customers with arthritis, we get the best, most appropriate life insurance policy with as little hassle as possible. We’ll be clear from the outset about the information needed from you.
There are many different versions of arthritis and no two people experience the exact same symptoms or impacts to their daily living. Please use the links at the bottom of this page, to access dedicated pages for arthritic conditions and more tailored indications of insurances available to you.
Critical illness cover pays out a cash lump sum of money, if you are diagnosed with a medical condition that is listed in the insurer’s claims set e.g. cancer, heart attack, stroke.
As with life insurance, critical illness cover applications will also ask for information about your day to day health, the extent of your condition, how often your symptoms flare-up, the type and amount of medication that you take and any secondary conditions and complications.
Where the arthritis is only mild with uncomplicated symptoms, it may be possible to obtain critical illness cover on standard terms. If you have additional or secondary medical conditions the insurer will also assess your application with these factors in mind.
For people that have arthritis that has stronger symptoms or there are more intense medications and treatments being used, it is possible that the insurer may want to see a report from GP. Please do not be concerned by this, they are requested for many conditions just to confirm that they have all the information that they need. The insurer does this at their own expense, and we do all the chasing around for you, keeping you up to date all the way.
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.
Getting income protection if you have arthritis will depend upon how much the condition affects your ability to work and a few other things. Generally, the less severe the symptoms are, the more cover will be available. Insurers will be want to know how many days off work you have had in the last few years, if you require mobility aids, the types of medication that you are taking.
If your symptoms are stronger, it may be that we have to look to a specialist provider for the cover. It might be the case that the policy will exclude your existing conditions. In other words, the income protection policy will not cover losses incurred as the result of arthritis. Some people are not thrilled but do not mind these exclusions, other people do not like them at all. It’s completely up to you to decide what you do and don’t feel is right for you.
What is Arthritis?
Arthritis is a generalised term that covers a range of conditions that cause some form of problem with the body’s musculoskeleton. Arthritis is diagnosed when joints become painful and inflamed, often causing a degree of immobility within the affected areas. Living with an arthritic condition varies greatly from person to person as the illness can manifest in so many different ways.
Some people may have arthritis that affects a few joints in the hand, others may have a debilitating back condition that will affect all aspects of their daily routine. Regardless of the form of arthritis that you have, you will need to detail the condition to the insurer when you apply for one of the policies detailed on this page.
Arthritis can vary so much from person to person, it’s not really possible to understand someone’s health without knowing the exact form of arthritis that they have, and even then, people cope differently depending upon their individual circumstances. Please use the links a the bottom of this page to access specific information about your form of arthritis and what this means for your insurances.
The Special Risks Bureau regularly arrange Life, Life and Critical Illness and Income Protection application requests for the following arthritic conditions:
- Achilles tendonitis
- Acute calcific tendonitis
- Acute CPP crystal arthritis
- Ankylosing spondylitis
- Antiphospholipid syndrome
- Back pain
- Behçet’s syndrome
- Calcium crystal diseases (pseudogout)
- Carpal tunnel syndrome
- Cervical spondylitis
- Churg-Strauss syndrome
- Complex regional pain syndrome (CRPS)
- Connective tissue disease (CTD)
- Degenerative or mechanical arthritis
- Diffuse idiopathic skeletal hyperostosis (DISH)
- Enthesitis-related JIA
- Extended oligoarthritis
- Giant cell arteritis (GCA) or temporal arteritis
- Hammer toes
- Henoch-Schönlein purpura
- Hypermobility syndrome
- Inflammatory arthritis
- Juvenile idiopathic arthritis (JIA)
- Kawasaki disease
- Lupus (SLE)
- Lyme arthritis
- Microscopic polyangiitis
- Paget’s disease
- Palindromic rheumatism
- Patellofemoral pain syndrome
- Plantar fasciitis
- Polyarteritis nodosa (PAN)
- Polymyalgia rheumatica (PMR)
- Polymyositis and dermatomyositis
- Psoriatic arthritis
- Raynaud’s phenomenon
- Reactive arthritis
- Rheumatoid arthritis
- Sjögren’s syndrome
- Soft tissue musculoskeletal pain
- Valgus heel
- Wegener’s granulomatosis
- www.nhs.uk – Arthritis
By clicking on the link(s) above you will be departing from the regulatory site of Special Risks Bureau. The Special Risks Bureau (Cura Financial Services) is not responsible for the accuracy of the information contained within the linked site(s).
There are a large number of factors that life insurance providers will take into account when assessing life insurance applications from people with arthritis. While they will want to know your age, the severity of your condition, how well managed and controlled it is and how it impacts your day to day life, is likelier to have more of a bearing than the age of diagnosis.
Depending upon the severity of your symptoms and the types of medication in use, some insurers may refuse to offer you the cover. This is where our specialist knowledge stands out. We know which insurers are best for you, to support your application for insurance.
Generally speaking, mild forms of arthritis that don’t cause you too many complications may mean you can get life insurance without the insurer seeing a medical report. However, in some cases, they will ask you to consent to them acquiring a report from your GP. Generally, they obtain this themselves and at their own cost.
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Review by Graham on 12th September 2018
“I was completely satisfied & informed as to the best options available to me by Kathryn. I will definitely use Cura again if given the opportunity.” - 5
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