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If you have loved ones, the thought of your own death is terrifying. You don’t want to think about what would happen to them if you passed away. But you can’t avoid the inevitable. Having a life insurance policy is a great way to protect your family if anything tragic were to happen to you.
Arthritis is an extremely common medical condition that affects 27 million people in the United States. It causes pain, frustration, and discomfort, but it could also impact your life insurance rates. While many people don’t view the condition as being that serious, the insurance company could disagree. If you’re looking for affordable life insurance and you’ve been diagnosed with arthritis, there are several things that you should know to ensure that you get life insurance at an affordable rate.
While there are millions and millions of people diagnosed with the condition, very few people, understand what it is and how it impacts their body. Arthritis itself is not actually a disease, but just a generic way of referring to joint swelling or pain. There are over 100 different types of arthritis, but all of those can be put into seven different overarching categories.
The different types include,
All of them have different symptoms and can have different impacts on the body, because there are so many different kinds, it’s difficult to say exactly how arthritis is going to impact your life insurance policy.
Diagnosing the condition will start with your primary doctor who will complete a basic health physical and do a simple blood test. After that, depending on the type, the doctor may suggest doing several scans to confirm the type of arthritis. After that, if there is a diagnosis of arthritis, the primary doctor will recommend seeing the appropriate specialists.
It’s important to get a proper arthritis diagnosis to start a treatment program. The longer that the condition goes with treatment, the worse it will become and the more problems it can cause. There are several symptoms that you should be aware of like, pain, swelling, discomfort, and a decreased range of motion. If you think that you have arthritis of any kind, you should schedule an appointment with your primary physician today.
There are several treatment options for people with arthritis, medications, physical therapy, natural treatments, or surgery if the arthritis is severe enough that it’s hindering the person’s standard of living. Your doctor will determine which treatment options suit your arthritis, in some cases it could be one medication or a mixture of different treatment options.
Depending on the severity of the arthritis and the type, the doctor may suggest simple pain reliever to decrease any discomfort. For patients with more severe arthritis, the main prescribe different medications to ease the pain and prevent any further complications. In some cases, patients can receive a steroid injection or penicillamine. If the arthritis is the result of an infection, it will be treated with an antibiotic.
For arthritis, there are millions and millions of “natural treatments” that are touted as a “miracle cure,” while some of these have merit, you should always consult with your physician before trying them. These natural remedies aren’t going to help your insurance premiums, but if they help ease any pain, do what works for you.
Because there are so many different types of arthritis, we can’t explain how each type will impact your life insurance, so we will go with the most common – degenerative arthritis, also known as osteoarthritis (it affects over 20 million people). With osteoarthritis, the cartilage around the bones and joints become too thin and the bones start rubbing into each other, which causes swelling in the joints, pain, and discomfort.
For anyone with this type of discomfort, there is great news, in most cases, you’ll be able to get preferred rates from most insurance companies. This is because this type of arthritis doesn’t really impact the longevity of your life and there are no serious health complications associated with the condition. But that’s not to say that the insurance company is going to completely ignore the condition. There are plenty of cases when an applicant has severe osteoarthritis and can only receive standard rates, which means that the premiums are going to be more expensive.
Another example that could hinder your ability to give life insurance is rheumatoid arthritis, which can have a much greater impact on your insurance premiums. Rheumatoid arthritis can have severe health complications if it is strictly managed, in fact, the majority of people with rheumatoid arthritis will experience a disability.
If you’re diagnosed with arthritis, there are several questions that the life insurance company is going to ask:
If you’re looking to apply for life insurance, you should be prepared to answer all of these questions. It will help the process if you have any documentation from your doctor or a list of your prescriptions.
Aside from deciding which type of plan will fit your needs, you’ll also need to calculate what your life insurance needs are. It’s vital that you buy enough coverage for you and your family. If you have too little, your family could be left with final expenses with no resources. On the other end of the spectrum, you could have too much life insurance and pay more every month than you need to.
There are several factors that you need to consider when finding the balance between too much and too little. To calculate your life insurance needs, you need to look at your debt, final expenses, your dependents, income, and any gifts that you want to leave.
One of the primary goals of life insurance is to give your family money to pay off all of the debts that you would pass on to your family. Add up all of your debts and final expenses, things like mortgage, student loans, funeral expenses, any possible medical bills, etc. Once you’ve added up those bills, you have a starting point for your life insurance coverage.
Next, think about how many people rely on your salary. If you were to pass away, would they be able to pay for basic expenses? Another popular use of life insurance is to replace your income if anything tragic were to happen to you. The more people that rely on your annual salary, the more insurance you should get.
The last factor you should account for is what you want to leave to your loved ones. If you want to pass on your wealth, you should consider getting a policy to protect that. While everyone wants to leave an inheritance to their children or loved ones, Uncle Sam is going to want his piece, which could leave your family with only a fraction of what you intended. A life insurance policy can counteract all of those taxes and fees and ensure that they get the money you want to leave to them.
If you’re looking for life insurance coverage and you have arthritis, you might be worried about what you’ll have to pay, but in just about every case, a policy is much more affordable than you might think. There are several things that you can do to get the most affordable life insurance on the market.
The first is to improve your health. Your arthritis is not the only factor that the insurance company is going to consider, they will also want a picture of your overall health. Getting in shape through a diet and exercise is a great way to save money on your insurance premiums every month.
Aside from improving your health, it’s vital that you manage your arthritis, whichever type that it is. Always follow all of your doctor’s orders to minimize the effects of the conditions. How well you manage your arthritis and how well you stick to the treatment plan can save you money on your insurance coverage.
Another way to cut the costs of your coverage is to quit smoking. An applicant that is a smoker or tobacco user will pay double or triple what a non-smoker in going to pay for the same insurance policy. If you’re looking for the most affordable insurance plan, it’s time to kick those cigarettes.
The best way to ensure that you’re getting the best insurance coverage rates is by comparing quotes from dozens of different companies. Because every company has a different rating system, an applicant with arthritis could receive drastically different quotes for the same coverage. It’s vital that you find an insurance company that is going to view your health more favorably and give you the best monthly premiums. Because there are thousands of life insurance companies to choose from, you could spend weeks calling companies to find the best policy, or you can let us send those quotes directly to you.
A large majority of people with any high-risk condition doesn’t apply for life insurance because they assume that it’s going to be too expensive or because they don’t think that the monthly premiums are worth the coverage. Simply put, that’s one of the worst mistakes that you can make for both you and your family. If you were to pass away tomorrow, your family would go through a difficult grieving period. On top of losing someone they loved, they would also find themselves with massive bills. This financial strain can make your families difficult that much worse.
You never know what’s going to happen tomorrow, while you can’t predict the future, you can plan for the worst. Don’t keep putting off your life insurance needs.
If you have any questions about life insurance with arthritis, please contact one of our professional life insurance agents today. We can answer any questions and get you’re the life insurance coverage that you and your loved ones deserve.