Can You Get Life Insurance with Arthritis?
Yes. The vast majority of people with arthritis can get life insurance, often at standard or near-standard rates. Arthritis is extremely common – over 10 million people in the UK have some form – and insurers are well-accustomed to underwriting it.
How Different Types of Arthritis Are Assessed
| Type | Typical Terms |
|---|---|
| Osteoarthritis | Standard rates (no loading) |
| Rheumatoid arthritis (mild) | Standard to small loading |
| Rheumatoid arthritis (moderate-severe) | Moderate loading |
| Psoriatic arthritis | Standard to small loading |
| Ankylosing spondylitis | Small to moderate loading |
Good news: Osteoarthritis, the most common form, has virtually no impact on life insurance premiums. It is a wear-and-tear condition that does not affect life expectancy. Rheumatoid arthritis may have a modest impact depending on severity and medication.
Frequently Asked Questions
Osteoarthritis: no effect. Rheumatoid: small to moderate loading depending on severity.
Yes, always declare. Osteoarthritis rarely affects premiums. Inflammatory types: modest loading.