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How To Get The Best Rate With Osteoarthritis or Rheumatoid Arthritis

by Scott G on December 10, 2012

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Arthritis and life insurance underwriting can be complicated depending on which type you have.  Since there are over 100 different forms of arthritis, we will address the two most common forms, osteoarthritis and rheumatoid arthritis.

Osteoarthritis & life Insurance—what you need to know

Osteoarthritis is the most common form of arthritis.  It is a lingering disease that causes the cartilage between the bone joint to wear away leading to discomfort and stiffness.  Common treatments include over the counter medications like Advil, Aleve, Aspirin, Bayer as well as prescription medications.

Factors that determine the rating class with osteoarthritis:

-What type of arthritis?

-Has it ever caused a disability?

-Able to work full time-affect work duties?

-Do you use any device to assist in walking, like a cane or walker?

-Date of diagnosis?

-Which medications are you taking?

-Any other health conditions?

-Any deformity of the joints?

Every life insurance company has different underwriting guidelines.  There is good news for those with osteoarthritis. There are certain companies that will still qualify you for the Preferred Plus rate class, (as long as you would otherwise qualify for it) as long as the osteoarthritis is mild and there are no complications, and preferably are being treated with an over-the-counter medication.  The rating class will go down from there depending on the severity and which medications you are taking for the osteoarthritis.

Rheumatoid arthritis & life Insurance—what you need to know

Rheumatoid arthritis (RA) is a little more complicated when it comes to life insurance underwriting.  RA is an autoimmune disease that occurs when the body’s tissues are attacked by its own immune system.

Due to the severity of rheumatoid arthritis, the best rate class you will often receive is standard.  This is for those who are diagnosed at an older age and are receiving mild treatment.

For those who are diagnosed younger in life and or are on steroid treatment like Methotrexate, Embrel, Humira, Remicade, you will likely be table rated, at best.  If the condition is severe you may be declined.

Factors that affect rheumatoid arthritis rating class for life insurance:

-Type of arthritis?

-Has it ever caused a disability?

-Able to work full time-affect work duties

-Date of diagnosis, onset?

-Do you use a device to assist in getting around like cane, walker, etc.?

-Medications you are taking for RA?

-Any other health conditions?

-Any deformity of joints?


As you can see, there are many factors that go into life insurance underwriting with arthritis, whether it is be osteo or rheumatoid.  Since every company will underwrite you differently, it is best if your agent shops your situation around to find you the best rate.

If you have osteoarthritis or rheumatoid arthritis and are looking for a free rate quote, just fill in the form below and I will anonymously shop your situation around to see which life company will offer you the best rate.

Please submit your information and I will get back to asap.

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