For people who have an arthritic condition and would like to apply for life insurance, there are some things worth knowing before you start. With around 10 million people in the UK having been diagnosed with some form of arthritis, the conditions are not uncommon for life insurance applications at I’m Insured.
The type of arthritis you have, the length of time you have had it and the severity of the condition or the strength of the medication used to treat the condition, will all be taken into consideration by any prospective insurer.
Osteoarthritis being the most common form of arthritis in the UK, (affecting around 8 million people), is by far the most common arthritic disclosure at I’m Insured for life insurance and our stats show in most cases does not affect the cost of a premium but putting it up.
Rheumatoid arthritis is the second most common type of arthritis in the UK. When we are dealing with these cases for life insurance, there can sometimes be the need for the insurer to write to your doctor to find out more about the condition specific to you, over and above what is disclosed during the application. This is not to say a doctor’s report is always required for sufferers of rheumatoid arthritis as in many case we are able to get an offer from an insurer without the need for any further medical evidences.
As with all medical disclosures, it’s worth taking the time to talk to one of our insurance specialists with details about your condition before approaching an insurer. This will allow us to do the leg work for you and find out which insurers will look most favourably on your personal circumstances with the view of finding the deal that best fits you.