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Arthritis Life Insurance

Here at The Insurance Surgery we are experts in finding the right cover for you. Whether you are looking for arthritis life insurance, critical illness cover, or income protection; we will help you to get the best deal possible.

What Is Arthritis Life Insurance life insurance?

If you suffer from arthritis, and are looking for arthritis life insurance, it should be fairly easy to obtain. If your arthritis is mild, or you haven’t had any serious complications associated with your condition, then it is possible that you can be offered cover at standard rates (the same price you would pay if you didn’t have any medical conditions). However, if you have suffered with problems as a result of your arthritis then it is likely that a provider will add a loading onto your premium. Some other factors that could affect your premium include, your BMI, your smoker status or any other medical conditions you may have.

High blood pressure (hypertension)

Increased stroke risk

Risk of aortic rupture

Nosebleeds

Angina

Cramping sensations in the legs

Sensitivity to hot and cold

Weak muscles

Arthritis Whole of Life Insurance Cover

It is also possible for arthritis sufferers to obtain whole of life insurance. Arthritis whole of life cover is fairly similar to arthritis term life insurance, however due to the fact that it is guaranteed to pay out the premiums are significantly higher. The type of arthritis you have could also affect the price of your arthritis whole of life cover, as if your condition is more severe providers will add a loading (price increase) onto your policy.

How Arthritis Life Insurance Works

STEP 1

Complete form

STEP 2

Speak to us about your needs

STEP 3

We’ll search the market

STEP 4

We recommend the best product to suit your needs

STEP 5

Tell us when you want it to start!

There are a few key pieces of information a provider would want to know before they assess your application for arthritis life insurance, such as:

Date of diagnosis

Treatment or medication

Severity of symptoms

Any surgery or hospitalisation

Any other medical conditions

Our expert advisors will ask you some medical questions to assess the severity of your condition and to see what cover you are available for.

Critical Illness Cover

Unfortunately, arthritis critical illness cover isn’t as readily available as arthritis life insurance. Depending on the severity of your condition, you may either have to pay more for your cover, or you may have an arthritis exclusion placed onto your policy. It is also possible that you may not be able to obtain arthritis critical illness cover and your application may be declined if the providers deem you as too high risk. This obviously depends upon the type of arthritis you have as well as your symptoms and medication, as some forms of arthritis are more accepted by providers than others.

Income Protection Insurance

Arthritis income protection is similar to arthritis critical illness cover, in terms of its difficulty to obtain. However, arthritis income protection can be even harder to get depending upon the severity of your condition. Furthering this, it is highly likely that providers will include an arthritis exclusion with your policy due to the fact that your condition presents too much risk for the insurer to cover. It is even possible that you may have your application declined if you are classed as too high-risk by providers.

Facts About Arthritis

Arthritis is a common condition that causes pain, swelling and inflammation in the joints. There are many different types of arthritis, the 3 most common types of arthritis are: osteoarthritis, rheumatoid arthritis and psoriatic arthritis.

Arthritis Stats (UK):

Around 10 million people have arthritis in the UK

Arthritis often affects people in old age however it can also affect people throughout childhood

Arthritis is the 2nd biggest cause of sick leave in the UK

Currently there isn’t a cure for arthritis, however there are many treatments that can help

Arthritis Symptoms

There are a wide variety of possible symptoms that you may have, this depends upon the type of arthritis that you may have developed. The most common symptoms include:

Joint pain, tenderness and stiffness

Inflammation in/around joints

Restricted joint movement

Warm/red skin over affected joint(s)

Weakness and muscle wasting

Do You Need Life Insurance?

If you’re the primary breadwinner or share financial responsibilities, a life insurance policy can help your family maintain their standard of living in the unfortunate event that you’re no longer around to support them.

Life Cover Terminology

Understanding life insurance terminology is essential for policyholders to make informed decisions about their cover, we have broken down the meaning for some of the most used terms.

Useful Links

The Insurance Surgery is a leading life insurance expert for Arthritis and we have helped thousands of families, individuals, and businesses to protect themselves financially. We also offer a leading specialist Arthritis Travel Insurance service (see below). For more information about Travel Insurance visit: Arthritis Travel Insurance

Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

We take pride in the experience that we offer, guaranteeing excellent service at all times.

25 years Experience.

With 25 years of specialist life and protection experience, we can find the perfect policy for you.

Access to a range of insurers.

With a broad selection of partners, we are well-equipped to find the best insurance deals for you.

Award-winning broker.

Known for making insurance simple, The Insurance Surgery is a trusted, award-winning broker.

Benefit from Our Life Insurance Policies Today.

Relax, knowing that your family can receive the financial support that they need after you pass, and trust The Insurance Surgery to guide you through the life insurance process. With 25 years behind us, we are a trusted broker known for our expertise, prioritising transparency, and providing excellent customer service. So, rely on us to ensure you receive the cover you need at a fair and affordable price.

For a life insurance quote, contact us today on 0800 083 2829 to schedule a free consultation and take the first step towards protecting yourself and your loved ones financially.

Understanding Inheritance Tax (IHT) and Life Insurance

Understanding how IHT works and the ways to mitigate its impact can help you plan and ensure that your loved ones don’t face unexpected tax bills.

Types of Arthritis

Osteoarthritis

Osteoarthritis is the most common type of arthritis, and it starts with the roughening of cartilage. Once this happens, the body tries a “repair” process to try to make up for the loss of this important substance. This can cause tiny bits of bone (osteophytes) to grow at the end of joints, an increase of thick fluid inside the joint and the joint capsule can stretch causing the joint to lose it’s shape. This can then lead to damage inside the joint as well as pain and stiffness.

For more information visit: Osteoarthritis Life Insurance

Psoriatic Arthritis

Psoriatic arthritis is an auto-immune condition, meaning that the body’s immune system causes painful swelling and stiffness around joints, as well as a red, scaly skin rash (psoriasis). This rash can affect several places on the body i.e. elbows, knees, back and scalp. It is also common to have severe fatigue as a result of psoriatic arthritis. Normally, people develop arthritis after psoriasis however it is possible to have arthritis with no psoriasis at all.

For more information visit: Psoriatic Arthritis Life Insurance

Rheumatoid Arthritis

Rheumatoid arthritis is an inflammatory arthritis and is also an auto-immune condition. Similar to psoriatic arthritis, the body’s immune system mistakenly attacks joint tissue causing inflammation and extra fluid to gather. The inflammation and extra fluid in joints can cause pain, damage the bone and joint, and the extra fluid can stretch the joint capsule (which is irreparable) and irritate nerve endings.

For more information visit: Rheumatoid Arthritis Life Insurance

Life Insurance with HIV Case Study 2

Jean is aged 45 and was diagnosed with HIV in 2011. She is keen to secure level life insurance for her and her partner.

We found Jean the Level Life Insurance below:

Total Cover
Amount:

£160,000

Monthly Premium
Cost:

£15.23

Duration of
Policy:

20 years

Speak to our team of experts for FREE
specialist advice today.

Monday to Thursday:

9:00am – 8:00pm

Friday:

9:00am – 3:00pm

Facts About Life Insurance.

Life insurance can serve multiple purposes, including income replacement, wealth transfer, estate planning, and business succession. But how does life insurance shape up with the UK population?

7.5 million families

in the UK have no life insurance or critical illness cover.

£40,000

The average life insurance policy in the UK covers only about £40,000.

28%

of UK adults believe life insurance is too expensive.

96.9%

of all protection case claims were paid in 2024

Life insurance is unique – just like you.

Life Insurance for Parents

Life Insurance for Dads

Life Insurance for Sports & Hobbies

Life Insurance for Self-Employed

Income Protection

Life Insurance for Smokers

Price Promise.

Obtain a cheaper quote elsewhere, we’ll beat
the price and also give you a £50 gift card!*

We are committed to offering unbeatable prices. Our
Price Promise ensures that we will find you the right
cover for your circumstances.

Frequently Asked Questions

Can a person with HIV get life insurance?

Yes, absolutely. Due to the recent changes in life insurance underwriting for HIV, we have seen a number of previous restrictions lifted. We now have access to standard rates and ‘whole of life‘ cover with no term restrictions if you are living with HIV, your viral load is undetectable, and your CD4 count is high.

Does a HIV test affect life insurance?

Similar to other pre-existing medical conditions, if you are HIV positive, you will likely pay higher premiums than someone who isn’t. The exact amount depends on your personal circumstances, which will be assessed when you put forward your application.

Does life insurance cover HIV?

If you’ve recently been diagnosed with HIV but already have life insurance, it is well worth reviewing your existing cover, especially if it was obtained several years ago, as it is very likely that some changes could benefit you.

The Insurance Surgery also offers a free Annual Review service to all our existing / new clients. This means that we constantly make sure that you have the right cover for your ever-changing life and check for any changes in underwriting.

Do you offer advice on travel insurance with HIV?

Yes, we do! Use our partner’s Travel Insurance comparison tool to compare over 20 travel insurance quotes, all with your HIV covered, within just a few minutes and only having to input your information once.

How Can The Insurance Surgery Help?

Offering free advice, our experts are ready and waiting to offer protection advice on HIV life insurance policies that would best benefit your circumstances. With 25 years of experience, we’re a trusted broker and pride ourselves on making insurance simple.

We understand that finding life insurance can be tricky, especially when you have a pre-existing condition, so why not leave it to us? Give us a call today, and we’ll help you find the ideal policy that suits your needs and matches your budget.

For More Information, Check Out Our Latest Blogs

Stay informed with the latest updates in the insurance industry for 2025 here.

We aim to provide clear advice, breaking down the jargon, so you understand the importance of protection insurance.

Useful Links

Click the links below to find out more:

Family

By Policy

Helpful Information

Life and Health Insurance for Business

Specialised Business Insurance

Helpful Information

Arthritis Life Insurance

What Is Arthritis Life Insurance life insurance?

Risk of aortic rupture

Nosebleeds

Cramping sensations in the legs

Sensitivity to hot and cold

Weak muscles

Arthritis Whole of Life Insurance Cover

How Arthritis Life Insurance Works

Date of diagnosis

Treatment or medication

Severity of symptoms

Any surgery or hospitalisation

Any other medical conditions

Critical Illness Cover

Income Protection Insurance

Facts About Arthritis

Arthritis Stats (UK):

Arthritis Symptoms

Life Cover Terminology

Useful Links​

Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

25 years Experience.

Access to a range of insurers.

Award-winning broker.

Benefit from Our Life Insurance Policies Today.

Types of Arthritis

Osteoarthritis

Psoriatic Arthritis

Rheumatoid Arthritis

Life Insurance with HIV Case Study 2

Total Cover Amount:

£160,000

Monthly Premium Cost:

£15.23

Duration of Policy:

20 years

Speak to our team of experts for FREE specialist advice today.

Monday to Thursday:

Friday:

Facts About Life Insurance.

7.5 million families

in the UK have no life insurance or critical illness cover.

£40,000

The average life insurance policy in the UK covers only about £40,000.

28%

of UK adults believe life insurance is too expensive.

96.9%

of all protection case claims were paid in 2024

Life insurance is unique – just like you.

Life Insurance for Parents

Life Insurance for Dads

Life Insurance for Sports & Hobbies​

Life Insurance for Self-Employed

Income Protection

Life Insurance for Smokers

Price Promise.

Obtain a cheaper quote elsewhere, we’ll beatthe price and also give you a £50 gift card!*

Frequently Asked Questions

For More Information, Check Out Our Latest Blogs

Useful Links

Monday to Thursday:

Friday:

Useful Links

Total Cover
Amount:

Monthly Premium
Cost:

Duration of
Policy:

Speak to our team of experts for FREE
specialist advice today.

Life Insurance for Sports & Hobbies

Obtain a cheaper quote elsewhere, we’ll beat
the price and also give you a £50 gift card!*