Does life insurance cover arthritis?

Put simply – the answer is yes. Within a life insurance health and lifestyle questionnaire, there are two main types of arthritis most commonly disclosed, namely osteoarthritis and rheumatoid. There are of course other variations including psoriatic arthritis, gout and ankylosing spondylitis. Take a look below to find out how we can help you today.


Does osteoarthritis affect life insurance?

By far the most common type of arthritis condition is osteoarthritis, which is very often referred to as ‘wear and tear’. Although it very often has little impact on the successful outcome of a life insurance application, or indeed the price that is ultimately offered at the end of an application. However, it still must be disclosed with full details of the condition. This will include when the condition was first diagnosed, the number of joints affected and where they are on the body, as well as the impact that the condition has on the applicant’s lifestyle, be it at work or taking part in daily activities. As mentioned above, osteoarthritis very rarely has an impact on the outcome of an application, however, in some extreme circumstances the insurer may ask for some additional medical evidence from the applicants GP to help them make a decision on the cover they can offer. As well as this, in rare circumstances, the insurer may increase the cost of the premium to take into consideration a particularly serve case of osteoarthritis.


Can you get life insurance if you have rheumatoid arthritis?

Most insurers will place more emphasis on a disclosure for rheumatoid arthritis than other types of arthritic conditions. Firstly, any insurer will ask if your condition has been fully diagnosed or if you are waiting for any further tests or investigations to take place. Furthermore, the insurer will ask when the diagnosis was first made and the type of medication/s which have been prescribed, the dosage and whether or not those medications have been increased recently or changed to an alternative to improve the management of the condition. These can include pain relief medications, any courses of steroid based medication, or specific anti rheumatic drugs. As well as this, any insurer will want to know if you have suffered with any complications which have been caused specifically by the rheumatoid arthritis condition. These can vary in nature, but often include any eye inflammation or rheumatoid nodules (lumps under the skin), and if the condition has any effects on other parts of the body such as breathing or organs such as the heart, lungs, liver or kidneys.


An emphasis will also be placed on questions about how the arthritis affects an applicant’s daily living or activities. These questions commonly focus on the level of pain or discomfort experienced and how frequently the episodes are, such as daily, weekly, during certain conditions such as colder days, or if symptoms are only apparent after exercise. As with all life insurance and/or critical illness cover applications which include a disclosure of a medical condition, the general rule of thumb is that the less severe the condition the more likely the result will be favourable in terms of being offered the insurance as well as the price remaining unaltered. However, as well as this, most insurers will consider how successfully the condition is being managed and for how long.


With the variables discussed above, there are no prizes for guessing that the outcomes of applicants disclosing rheumatoid arthritis can be varied. In more severe cases, there is often a requirement for further medical evidences in the form of a doctor’s report. This is so that the potential insurer can have absolute clarity on the circumstances surrounding the condition. It also protects the applicant in the sense that a doctor’s report can provide accurate dates and details, some of which might have been overlooked or slightly incorrect at the point of application.

Other arthritic conditions

How do life insurers consider other arthritic conditions?

With regards to other arthritic conditions, such as gout, psoriatic arthritis, ankylosing spondylitis and fibromyalgia (please see the FIBROMYALGIA tab for this condition), the news is also good. In many cases we can place not only applications with these conditions disclosed, but at favourable terms and costs. There is of course a large degree, once again, of severity within all arthritic conditions which is why we take great care in listening to the details our customers tell us about their conditions, as well as asking all the right questions we know our panel of insurers will ask so that we can inform our customers of their options with a good degree of accuracy. This means we take away much of the leg work and hassle for our customers which would otherwise be very time consuming and potentially demoralising.

we can help you today

It’s worth remembering, that as a broker, we have access to a wide panel of insurers and an excellent working knowledge of how they will react to customer specific applications. This means that we can place a case with an insurer that we know will look most favourably on the specific circumstances of the case so that we get the best result in terms of an offer of insurance as well as the best possible price. The good news though, is that in many cases, we can find a solution for a life insurance and/or critical illness cover application at, what in the industry is called, “standard terms”, meaning that the cost of the cover is not increased and the terms are not altered. This is quite often due to our expertise in the area of insurance with arthritis disclosures. Something we know from the feedback we get from our customers is not always the case with the vast majority of our competitors.

So, if you are affected by an arthritic condition and would like to know what your options are in terms of a life insurance or critical illness cover policy, or you have been turned down in the past or offered insurance at a price which seems much higher than what is offered as standard, get in contact with us. Simply complete your details in one of our ‘Life Insurance Quote’ tabs and let us know when is best to contact you. One of our dedicated case managers will call you to discuss your needs and go through all the options available to you, allowing you to make the best and most informed decision about your insurance with the peace of mind that you will have the best deal for your circumstances!