Psoriatic Arthritis & Life Insurance

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Psoriatic Arthritis & Life InsurancePeople can be affected by psoriatic arthritis in many different ways. Some may find that day to day life is quite hard, while others may have found a way to manage and well control their symptoms.

We are happy to help and support you with your life insurance application, no matter what the situation is.

When deciding what cover to offer, insurers will want to know as much as possible about your condition, including:

  • What treatment and medication are you taking?
  • Where does the arthritis affect?
  • How strong are your symptoms?
  • How long have you had arthritis?
  • How does it affect your day to day living?

Life insurance for people living with psoriatic arthritis can often see policies accepted at either standard or increased premiums.The terms that you are offered will be based upon the medications that you take and any other medical disclosures that you have.

A psoriatic arthritis life insurance application will typically need to detail how well your condition is controlled, the strength of your symptoms and the types and dosages of medication that you take.

If your psoriatic arthritis is well controlled, you have mild symptoms and you are not taking strong medication, you may be able to arrange life insurance at standard rates.

If you are taking anti TNFs such as imflixmab, or anti-disease modifying drugs such as methotrexate, then your policy premiums will likely be increased. This is known as a premium loading.

Our advisers research the market to find the insurer that is right for you. This is especially important if you are likely to have your premiums increased, to make sure that your application is placed with an insurer that is the most competitive.

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.

Critical illness cover for people living with psoriatic arthritis will often need a bit of added time, for insurance underwriters to assess your application.

They are wanting to really determine how much the condition affects your overall health, before they consider any terms of cover.

Where strong medication is in use, it is likely that your premium will be increased or an exclusion placed on the critical illness policy for any claim related to your illness.

You may be able to choose between a higher premium with no exclusions, or a normal premium with related conditions excluded on the policy. Please speak with one of our qualified advisers to help you discuss the best options for your circumstances.

It is possible that some insurers might decline your application for critical illness cover. This is never nice to hear, but please do not give up hope. There can sometimes be options with more specialist insurers or through employer-based policies, that can work really well.

Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.

Income protection for people living with psoriatic arthritis can be underwritten very strictly.

Standard income protection policies can often come with exclusions, and with some medical conditions, applications can be declined outright.

Income protection tends to see a high number of  claims for musculoskeletal problems. With you having psoriatic arthritis already, this will lead some insurers to believe that you are at a higher chance of making a claim.

Some insurers can consider an income protection application, but this will depend on the medication you take, the strength of your symptoms and how much the arthritis has affected your ability to work.

If income protection can be offered, it is likely to come with an exclusion for psoriatic arthritis. It is certainly best speaking to a qualified adviser to help you place this cover.

There are income protection policies that can be arranged through employers, that would not exclude pre-existing conditions. This is a specialist area that can work really well if you own your own company, or you have an employer that is looking for a way to improve the wellbeing of their staff.

GET AN INCOME PROTECTION QUOTE

If income protection is unavailable you may be eligible for accident, sickness and unemployment cover. This policy offers short term accident and sickness cover that will pay for between 12 and 24 months if you cannot work due to ill health. Please note however the plans come with exclusions and this will certainly apply to your existing condition(s).

GET AN ACCIDENT, SICKNESS AND UNEMPLOYMENT QUOTE

Escaping the UK weather? It is always a good idea to make sure that you have good travel insurance in place. If you would like to get some quotations please visit our dedicated travel page here.

What is Psoriatic Arthritis?

Psoriatic arthritis causes pain and stiffness in one or more joints of the diagnosed, primarily affecting the hands and feet. This inflammatory arthritis is a long-term condition and can also cause pain and discomfort in the ligaments and tendons.

Psoriatic arthritis is often linked with psoriasis which causes a red and scaly skin rash. The symptoms of psoriatic arthritis usually flare up and then abate for a time, tending to follow one of the following patterns: asymmetrical oligoarticular arthritis, symmetrical polyarthritis, spondylitis (possibly with sacroiliitis), distal interphalangeal joint predominant, arthritis mutlians.

Also known as: PsA, arthritis psoriatica, arthropathic psoriasis, psoriatic arthropathy

Linked with: Arthritis, psoriasis, dactylitis, spondylitis, Juvenile idiopathic arthritis

Some potential problems experienced by individuals who have psoriatic arthritis include:

  • Swollen fingers
  • Inflammed joints
  • Thickening or pitted nails
  • Tenderness in the heel
  • Rashes
  • Difficulty fastening buttons
  • Difficulty holding cups and cutlery
  • Morning stiffness
  • Conjunctivitis, iritis, uveitis
  • Fatigue
  • Jaw pain and headaches
  • Anti TNFs – Imflixmab
  • Corticosteroids
  • COX-2 inhibitors, coxibs – Celecoxib, Etoricoxib
  • Disease-modifying anti-rheumatic drugs, DMARDs – Leflunomide, Sulfasalazine, Methotrexate
  • Non-steroidal anti-inflammatory drugs, NSAIDs – Ibuprofen, Naproxen, Diclofenac
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).

Common Questions

Hi, I’m sorry to hear that you have had difficulty getting life insurance. When you take methotrexate it is something that insurers want to know more about, as it is something that is often used when someone’s symptoms are quite strong.

The main thing is to know that there are many insurers, and they all have different ways of approaching different conditions. 

It might be that it’s just a matter of placing your life insurance application with a different insurer, to the one you have tried before. Or it might be that we need to approach a specialist insurer (this doesn’t always mean silly prices!). It really comes down to your individual circumstances and we are happy to support you every step of the way.

Client Reviews

Cura Financial Services has been rated 4.9 out of 5 based on 578 reviews.

Review by Stephen on 1st May 2021

I've used Cura for several different policies and have always found my advisor Krystle to be very knowledgeable and proactive. - 5 

You can read more of our reviews here.

Psoriatic Arthritis & Life Insurance

Dr Kathryn Knowles Phd

Author
This page was written by Dr Kathryn Knowles Phd, an award-winning insurance adviser. To read more about Kathryn please see her bio here

Psoriatic Arthritis & Life Insurance

Client Reviews

Psoriatic Arthritis & Life Insurance

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