Can I Get Life Insurance If I Have Arthritis?

Announcing the unfortunate passing of musician Glenn Frey, the Eagles website states that “Glenn fought a courageous battle for the past several weeks but, sadly, succumbed to complications from Rheumatoid Arthritis, Acute Ulcerative Colitis and Pneumonia.” Frey’s manager further stated in an article on The Wrap, “The colitis and pneumonia were side effects from all the meds (medications), … He died from complications of … colitis after being treated with drugs for his rheumatoid arthritis which he had for over 15 years.”

While this is a sad reminder of how serious rheumatoid arthritis is in some cases, the health of most arthritis sufferers is not so severely compromised by their disease.

Life insurance is one of the most important purchases that you’ll ever make for your loved ones. There are dozens of different factors that the insurance company is going to look at when you apply for coverage. If you are in bad health or you have several pre-existing conditions, like arthritis, it could be difficult to get a quality insurance plan. Regardless of your health or pre-existing conditions, there are several affordable life insurance options for you and your family.

Can I Get Life Insurance If I Have Arthritis? YES!

And, depending on the type and severity of your condition, along with your level of dedication to your treatment and control of your disease, your premium for life insurance with arthritis may be much lower than you would expect.Can I get life insurance if I have arthritis?

Get started now with the instant term quoter on this page, leave a message through our contact page, or call us at 1-800-712-8519.

When life insurance underwriters are considering a client with arthritis, the first thing they are concerned about is which of the two main types of arthritis, osteoarthritis or rheumatoid arthritis, do you have? If you have either disease, there are symptoms of joint pain, stiffness and inflammation. But the level of health risk presented by each is much different.

Osteoarthritis is the most common type of arthritis and affects only the joints and not internal organs as rheumatoid arthritis does. It is often thought of as a “wear and tear” disease that comes naturally to most of us as we get older. Life Insurance companies will want to know all about your osteoarthritis and the treatment you have received, as they do for any health condition thought to “impair” a client’s risk. But, if your condition is mild or moderate and no other risk impairments exist, you will have access to the best ratings offered.

At Ogletree Financial Services we get the lowest premiums for clients with osteoarthritis and other impaired risk every day. Whatever the severity of your condition, we can always find the lowest premium for the life insurance you need.

Get started now with the instant term quoter on this page, leave a message through our contact page, or call us at 1-800-712-8519.

 Those suffering from rheumatoid arthritis (RA), as compared to osteoarthritis, will have less access to the preferred risk classes. But, if your condition is in control, very affordable premiums are available. According to the National Institute of Arthritis and Musculoskeletal and Skin Diseases, “rheumatoid arthritis is an autoimmune disease (auto means self), so-called because a person’s immune system, which normally helps protect the body from infection and disease, attacks joint tissues for unknown reasons.”

Rheumatoid Arthritis not only attacks the joints, but as pointed out on WebMD, “can also affect the eyes, lungs, skin, heart and blood vessels, and other organs. The medications you take for rheumatoid Arthritis can have unwanted side effects as well. And, dealing with a chronic disease like rheumatoid Arthritis day in and day out may cause emotional distress. Many people with rheumatoid Arthritis suffer from depression.”

As mentioned by Mr. Frey’s manager and on WebMD, the medications patients take to fight rheumatoid arthritis in some cases are very dangerous and carry a whole list of ugly side effects in opposition to their sometimes remarkable ability to fight rheumatoid Arthritis.

Obviously, life insurance companies must consider rheumatoid arthritis more of a health risk than osteoarthritis. Still, the most severe cases of rheumatoid arthritis like Glenn Frey had are relatively rare. And, with a healthy lifestyle and proper treatment under the direction of your physician, a long and active life is possible with rheumatoid arthritis. How healthy Glenn Frey lived his life for the 15 years he dealt with rheumatoid arthritis I don’t know, but we can be sure that he had access to the very best medical care available.

No matter the type or severity of your condition, the more completely you can document your efforts to treat your arthritis, the easier it is for life insurance companies to see you as a good risk and offer you the most affordable premium possible.

 Also, especially with a progressive disease like arthritis, getting a life insurance policy in place immediately is very important. Progressive means your disease will get worse. If you wait a few years to get the life insurance coverage your family needs, your health may deteriorate, forcing you to pay higher premiums.

Because it’s going to continue to get worse every year, it’s vital that you don’t wait any longer to get the insurance protection that you need. The sooner that you get life insurance, the cheaper that the policy is going to be.

Your loved ones do not have to worry about money if you wrote ‘Take It Easy’, ‘Hotel California’, and ‘Desperado’, among dozens of classic hit songs. For the rest of us, a quality life insurance policy is how we get the peace of mind that our loved ones will be covered financially no matter what happens.

There are several ways that you can improve your chances of getting approved for an affordable life insurance policy. Your arthritis diagnosis isn’t the only factor that the insurance company is going to account for when reviewing your application. The first thing that you should do is improve your health, which is going to drastically increase your chances of getting lower insurance rates. There are several ways that you can do this.

The first thing that you should do is start a healthy diet. Switching out the junk food for healthier options is a great way to lower your cholesterol, blood pressure, and lose those extra pounds. You can still enjoy your favorite treats, but eating healthier could save you hundreds of dollars on your life insurance coverage.

The next thing that you should do is start getting regular exercise. Starting an exercise program will help you lose any additional weight, lower your blood pressure, and a whole host of other benefits. All of these are going to translate into lower monthly premiums and more money in your pockets. Dust off that old gym membership, it’s time to put it to use.

Another way to improve your health is to eliminate any tobacco that you currently use. Being listed as a smoker on your life insurance application is going to make your premiums shoot through the roof. Smokers are going to pay twice as much for their life insurance coverage versus what a non-smoker is going to pay. If you want to get affordable life insurance with arthritis, it’s time to kick the bad habit once and for all.

The last thing that you should do is work with an independent insurance agent, which works with dozens of highly rated companies. Unlike a traditional insurance agent, independent insurance agents don’t only work with one single company. We can bring all of the lowest insurance rates directly to you, no hassle. Don’t waste your time calling dozens of companies to receive quotes. Our agents can bring all of the waste to you.

At Ogletree Financial Services we have access to all the top insurers and know which companies assess arthritis risk most favorably. We connect you with these carriers and present your unique risk profile so that you will receive the most generous risk rating possible.

If you have any questions about life insurance or about the different options available to you. Our agents would be happy to answer those questions and ensure that you’re getting the best plan to fit your needs. We have years of experiencing working with applicants with arthritis, and we can help connect you with the perfect company and policy to protect your family with quality and affordable life insurance coverage.

Get started now with the instant term quoter on this page, leave a message through our contact page, or call us at 1-800-712-8519.

About Ogletree Financial Services
About Ogletree Financial Services

As independent life insurance agents, we specialize in finding the best life insurance rates and policies for our clients.  Our customers are located all over the USA.  If you would like a personalized life insurance quote, you can start here on our website or give us a call at 1-800-712-8519.

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