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Can I Get Life Insurance with Rheumatoid Arthritis?


life insurance rheumatoid arthritis

Hi Nick, we applied for life insurance through another broker (sorry!) but my wife was hit with a huge price increase (twice the normal price) because she was recently diagnosed with rheumatoid arthritis. Our broker says he can’t get a lower price. Can you try to get us a better deal? Cheers, Eoin

Life insurance with rheumatoid arthritis

Why do the insurance companies increase your premium?

When dealing with health conditions life insurance underwriters like predictability. If they know a condition is under control and have a fair idea of how it will progress, they are happy.

Unfortunately rheumatoid arthritis is unpredictable therefore getting life insurance with rheumatoid arthritis is also unpredictable.

Rheumatoid arthritis  has a variable and unpredictable course and can be associated with changes in other systems e.g. the eyes and lungs.

How is rheumatoid arthritis classified?

Classification of rheumatoid arthritis
Mild Little or no disease activity, peripheral joints affected only, no disability, uses non steroid anti inflammatory drugs only.
Moderate  Extensive joint involvement with relapsing remitting symptoms, some limitation of movement, with frequent or continuous therapy.
Severe Marked disease activity with frequent recurrences or prolonged attack, continuous multiple regimen therapy.

What’s the cost of life insurance with rheumatoid arthritis?

Let’s say the normal price of your life insurance or mortgage protection for someone with no health issues is €50 per month.

  • If you have mild rheumatoid arthritis, you could get the normal price of €50 per month.
  • If you have moderate rheumatoid arthritis, your premium will be around €75 upwards.
  • If you have severe rheumatoid arthritis, your premium will be upwards of €100 per month.

What about rheumatoid arthritis and serious illness cover?

You can get critical illness cover with mild and moderate rheumatoid arthritis but as with life insurance and mortgage protection, you will face a price increase depending on the severity of your condition.

The life insurance companies will exclude rheumatoid arthritis as an illness you can make a claim on if you have moderate rheumatoid arthritis.

They’ll decline serious illness cover if you have severe rheumatoid arthritis.

Anything else I should know?

There are 6 life insurance companies in Ireland.

Each one takes a different view on rheumatoid arthritis. Some (as in Eoin’s case above) impose huge premium increases on life insurance with rheumatoid arthritis. Others are more sympathetic.

Be sure to approach only the sympathetic insurers, avoid the rest.

Over to you…

If you would like more information on applying for life insurance with rheumatoid arthritis or if you have any questions that are not answered above, please complete this questionnaire.

Armed with more information, I can discuss your case with my underwriters and advise which provider is most suitable, saving you time and money.

If you prefer a quick chat first, call me on 05793 20836.

Chat soon

Nick McGowan | making life insurance easier.

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