Psoriatic Arthritis & Life Insurance

Request a Callback

By clicking on submit I / We give consent for you  to call me / us on the number provided to discuss my / our financial requirements.

Psoriatic Arthritis & Life InsurancePeople can be affected by Psoriatic Arthritis in many different ways. Some may find that day to day life is more of a struggle, while others may have found a way to manage this well and 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:

  • The treatment and medication you are receiving?
  • The extent of your symptoms?
  • How long have you had arthritis?
  • Information about any complications?

Life insurance for those with psoriatic arthritis can result in a policy being accepted at either standard or increased premiums, based upon the medications that you take and any other medical disclosures that you have. A psoriatic arthritis life insurance application will require you to detail if your condition is well controlled, the strength of the condition and the types of medication that you take.

If your psoriatic arthritis is well controlled, has mild symptoms and you are not taking strong medication for the condition, you may be able to secure standard rates on your policy. If you are taking anti TNFs such as imflixmab, or anti-disease modifying drugs such as methotrexate, then your policy premiums will likely be subject to a light premium loading.

 

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 those with psoriatic arthritis will require additional assessment by the insurance underwriters, to establish the full extent of the condition upon your health. Where strong medication is in use it is likely that your premium will be increased or an exclusion placed on your policy for any claim related to your illness. You may be able to choose between higher premiums with your condition covered, or a normal premium with it excluded depending upon which provider you choose. Please speak with one of our qualified advisers to help you discuss the best options for your circumstances.

It is possible that in certain circumstances if the condition is more developed then an application for critical illness cover could be declined.

 

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

Income protection for people with psoriatic arthritis will be underwritten very strictly and unfortunately some providers will not be able to offer cover at all. This is due to the high number of income protection claims for musculoskeletal problems. Certain providers can offer cover but this will depend on the medication you take, the strength of the condition and what you do for a living. If cover can be offered it is likely to come with a exclusion for psoriatic arthritis. It is certainly best speaking to an qualified adviser to help you place this cover.

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. The condition 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. The symptoms of psoriatic arthritis tend 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

Client Reviews

Cura Financial Services has been rated 5 out of 5 based on 475 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

Talk to a Friendly Adviser

Please feel free to call us on 0800 567 7450 and one of our qualified insurance advisers will be happy to assist you.

Get a Quote

Please feel free to request a quote from us using our online form. The more information that you can provide us about your health conditions, hobbies, travel and/or occupation, the more accurate indications of price we’ll be able to give you.

What We Offer?

  • Experienced and knowledgeable advisers
  • Specialist advice with no fees to pay
  • Full assistance with all of your paperwork
  • Put your policy into trust at no cost
  • A dedicated insurance adviser for you

Guides & News

Here’s our latest guides, musings, charity work, podcast, awards and industry updates. There’s a lot going on!

Our Recent Awards

Psoriatic Arthritis & Life Insurance
Psoriatic Arthritis & Life Insurance
Psoriatic Arthritis & Life Insurance
Psoriatic Arthritis & Life Insurance
Psoriatic Arthritis & Life Insurance