If you suffer from arthritis, then you are likely very well aware of just how painful – and even how debilitating – this condition can be. It is estimated by the Arthritis Foundation that more than 50 million adults in the U.S. suffer from arthritis, as well as an additional 300,000 children.
For some, the pain in the muscles and joints can be somewhat mild. Yet, for others, there can be a considerable amount of chronic, ongoing pain – which can often make it much more difficult to climb stairs, walk, and / or perform everyday living activities like dressing, bathing, and cooking.
How Does Arthritis Come About?
Today, medical professionals are not sure just exactly what causes arthritis. In some cases, this disease may stem from an infection in the joints, while in other instances, a person may have a family history of this condition.
Arthritis can also stem from the normal “wear and tear” on a person’s muscles and joints, as well as having an autoimmune disorder. For example, when the body’s immune system attacks its tissues, both the bone and the cartilage inside of a joint can be destroyed.
Because there are more than 100 different types of arthritis, it can also be more difficult to diagnose this condition, as well as to determine what brought it on. This is because each of these forms of arthritis may be the result of differing causes.
The two most common forms of arthritis are rheumatoid and osteoarthritis. And, although the symptoms of arthritis can commonly develop over time, they could also appear suddenly. Even though arthritis can often affect people who are over age 65, there are also many teens, children, and young adults who will also suffer from this condition.
While medical professionals do not currently know exactly what causes arthritis, there are certain symptoms, as well as various methods of managing and / or controlling arthritis, that are more common.
Common Symptoms Of Arthritis
There are many symptoms of arthritis. Some of these may be more common than others. For instance, some of the most common arthritis symptoms may include pain, stiffness, and / or swelling in the joints.
An individual who is affected with arthritis may also notice that their overall range of motion is decreased. In addition, in some cases, an individual may also experience extreme fatigue, as well as the loss of appetite. Also, there could be redness of the skin around the affected joints.
In addition, there are severe cases of arthritis where an individual may become anemic, and that can eventually cause deformity of the joints. This is particularly the case if the condition has gone untreated for many years.
How Do You Know If You Have Arthritis?
The diagnosing of arthritis will often begin with the performance of a physical exam by your doctor. During this examination, the doctor will check for a limited range of motion, fluid around the joints, and for joints that are warm or reddened. Also, by extracting and analyzing the level of inflammation in joint fluid and the blood may also help with determining the type of arthritis that you may have.
Some of the tests that may be performed by your doctor in diagnosing whether you have arthritis can include the use of MRIs, X-rays, and / or CT scans. These tests can offer images of your cartilage and bonds. Performing these types of tests can also help with ruling out any other health issues that you may have.
How To Help Manage Or Control Your Arthritis Symptoms
There are a variety of different treatments that can help with managing and / or controlling the symptoms of arthritis. The one or ones that work best will depend on the type of arthritis that a person has, as well as whether or not they also suffer from other types of health conditions.
Some of the more common ways in which arthritis is controlled or managed can include exercise (such as yoga, aerobics, and swimming), medication (such as ibuprofen), and / or physical therapy.
While the effects of arthritis cannot be reversed, starting a plan for management and control of arthritis can help with the pain and discomfort that is often associated with it, as well as the loss of motion.
Can Arthritis Affect Your Life Insurance Application?
Even though arthritis will typically affect a person’s bones and joints, if it is left untreated, this disease can also cause other, much more serious issues with bodily organs such as the heart and the kidneys. Because of that, if you have certain types of arthritis – particularly if it is chronic – this condition could have an effect on an application for life insurance.
The life insurance underwriters will typically want to know as much as possible about an applicant’s overall health condition, as well as about the person’s family health history. Therefore, you will usually be required to fully complete an application for coverage, as well as to answer some additional condition related questions.
There will also usually be a medical examination. This will entail meeting with a paramedical professional who will take a blood pressure and a heart rate reading, as well as a blood and a urine sample.
In some cases, the life insurance underwriters will also want to review your medical records – which may be obtained from your primary care physician, any specialist that you see for your arthritis – or from both.
After all of the information has been reviewed, the life insurance company’s underwriters will be in a better position for determining the approval of your application, as well as for coming up with an appropriate premium cost for the policy.
How To Find The Best Life Insurance Rates When You Have Arthritis
When shopping for life insurance with arthritis, it is usually best to work in conjunction with a life insurance agency or brokerage that has access to multiple insurance companies. This is so that you can better compare – more directly and in an unbiased manner – a number of different options, and from there, determine which one will be best for you and your specific needs.
If you are currently considering a life insurance policy, we can help. That is because we work with many of the top life insurance carriers in the marketplace today, and we can assist you with finding all of the pertinent details that you require for making a more informed purchasing decision.
We can do so for you quickly and easily – all from your home computer – and without the need to meet in person with a life insurance agent. If you are ready to get started, then just simply take a minute to fill out the quote form on this page.
Should you find that you still have any additional questions or concerns about how to get life insurance with arthritis – or, even if you just happen to have a question about life insurance coverage in general – then please feel free to contact us directly. Our experts may be reached via phone, toll-free, by dialing 800-277-3098.
We understand that the purchase of a life insurance policy can seem somewhat overwhelming. There are many variables to consider, and you want to ensure that you are getting the very best coverage for your loved ones. But, even if you may have been turned down for coverage in the past, there are many options that could be available for you today.
Having an expert in the area of higher risk life insurance coverage can be extremely beneficial in finding the right company and policy for you and your financial goals. Let us help you with securing the life insurance company and plan that is right for you. So, contact us today – we’re here to help.