What Is Rheumatoid Arthritis and Why Should You Get a Life Insurance?

Rheumatoid Arthritis is a chronic disease where the auto-immune system attacks joints. So, generally, it is not considered as a high risk by the insurers. This condition could require highly expensive medical treatments so having life insurance could help you overcome these expenses. Rheumatoid Arthritis has no known permanent cures, so having life insurance could comfort you for years to come. If you have applied for Rheumatoid Arthritis life insurance in the past and especially if you have had cover accepted on special terms then it could be worth reviewing your cover based on your current circumstances and potential improvements in underwriting.

What Is Osteoarthritis and Why Should You Get a Life Insurance?

Osteoarthritis Life Insurance applications are available at standard rates with many insurance providers in the United Kingdom, especially when the condition is not that serious and no surgery awaits to be done. If the disorder affects many joints and physicians have recommended strong medications, personal regular premiums will likely increase. In other cases, if a surgery is pending, your application is held until that joint operation is done and has recovered.

Osteoarthritis can be treated with anti-inflammatory medication so standard rates can be expected and one can also get preferred rates if the case is mild with no underlying health issues.

Types Of Arthritis and Life Insurance Premium rates

One can easily get life insurance at standard rates when the case is of osteoarthritis. You can easily secure coverage at preferred rates if you have a mild form of osteoarthritis, which is not possible in the case of rheumatoid arthritis sufferers, as they are not provided with preferred rates.

You will be assigned the standard or rated-tier depending on the severity of your condition and other factors.

We would recommend you to talk to one of our advisers for life insurance quotes.
Any quote that your adviser provides you with will take into account your circumstances, your medical history, as well as your budget!
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