Yes, you can normally get life insurance if you have rheumatoid arthritis. The availability, price and type of policy will depend on the severity of your disease and your age.
If you are in a wheelchair or unable to do your own Activities of Daily Living (ADL's), you are only able to get guaranteed issue life insurance. This is mainly offered to older ages (age 40 or 50+). So younger persons who needs assistance with dressing or uses a wheelchair may be uninsurable for Life Insurance until they reach that age. They can get Accidental Death coverage.
Most people with rheumatoid arthritis are able to be employed and lead an active life. For them, life insurance will be rated just a bit higher than for persons without rheumatoid arthritis. If pain medication is involved. underwriters will look at the type and amount. Excessive or narcotic pain medication use can cause a high rating or necessitate using a No Exam policy at somewhat higher rates.
As with most health conditions, rheumatoid arthritis is far different from one person to another. Using a life insurance agency that carries multiple products and understand impaired risk underwriting will help you get the most affordable rheumatoid arthritis life insurance policy.
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If you are in a wheelchair or unable to do your own Activities of Daily Living (ADL's), you are only able to get guaranteed issue life insurance. This is mainly offered to older ages (age 40 or 50+). So younger persons who needs assistance with dressing or uses a wheelchair may be uninsurable for Life Insurance until they reach that age. They can get Accidental Death coverage.
Most people with rheumatoid arthritis are able to be employed and lead an active life. For them, life insurance will be rated just a bit higher than for persons without rheumatoid arthritis. If pain medication is involved. underwriters will look at the type and amount. Excessive or narcotic pain medication use can cause a high rating or necessitate using a No Exam policy at somewhat higher rates.
As with most health conditions, rheumatoid arthritis is far different from one person to another. Using a life insurance agency that carries multiple products and understand impaired risk underwriting will help you get the most affordable rheumatoid arthritis life insurance policy.