Types Of Arthritis and Life Insurance<\/h2>\n
Osteoarthritis sufferers can typically obtain life insurance coverage at standard rates.<\/p>\n
If you have a mild form of osteoarthritis, you might even be able to secure coverage at preferred rates. Rheumatoid arthritis sufferers, conversely, typically do not have access to preferred rates.<\/p>\n
When a life insurance underwriter evaluates your application, she will assign you to a standard or \u201crated\u201d tier, depending on the severity of your condition and other factors.<\/p>\n
Severity Of Arthritis<\/h2>\n
How your arthritis affects your health and your ability to handle everyday tasks plays a role in your life insurance rates. If your arthritis has not affected your major organs and can be managed with medications, you have a better than average chance of securing life insurance coverage at standard or even preferred rates. ![\"Hands](\"https:\/\/www.bestlifequote.com\/wp-content\/uploads\/2017\/01\/Depositphotos_49423637_xl-2015-210x210.jpg\")
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On the other hand, if your arthritis has affected your heart, lungs, or other organs, you will likely pay more in life insurance premiums. Similarly, it can be difficult to obtain affordable life insurance if you are disabled because of osteoarthritis or rheumatoid arthritis.<\/p>\n
It is important to understand that the type and severity of your condition can affect your rates within standard coverage plans. Moderate joint deformity, stiffness, and ongoing arthritis pain might result in Table 2 rates<\/a>, which are on the lower end of standard rating tables. If you are disabled because of your condition and deal with severe pain, you will likely be assigned higher Table 4 rates.<\/p>\n Your arthritis diagnosis isn\u2019t going to be the only factor that the insurance company reviews before they accept your application for coverage.<\/p>\n Our agents can help you get the best plan to fit your needs from the best life insurance companies<\/a> and give you the coverage that your family deserves.<\/p>\n Although arthritis might limit your ability to obtain affordable life insurance coverage and put you in a high-risk life insurance<\/a> category, there are strategies you can use to improve your chances of obtaining life insurance at a price you can live with:<\/p>\n If you anticipate that your beneficiary’s financial needs will only last a certain number of years, you can opt for term coverage. For example, suppose that 20 years from now, your mortgage will be paid off and your children will have started their own careers.<\/p>\nTips For Obtaining Life Insurance With Arthritis<\/h2>\n
Opt For Term Life Insurance Instead Of Permanent Life Coverage<\/h3>\n