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Rheumatoid Arthritis Life Insurance

You may have found it difficult to secure life insurance with Rheumatoid Arthritis Life Insurance. But rest assured, The Insurance Surgery has over 25 years of experience finding suitable policies for our clients.

What Is Rheumatoid Arthritis Life Insurance?

The Insurance Surgery is a leading life insurance expert for people with pre-existing medical conditions such as Rheumatoid Arthritis. Our team of expert insurance advisers has been helping people looking for Rheumatoid Arthritis life insurance to find the best possible cover and insurance providers as well as help to save them money. Life insurance, critical illness cover and income protection are all designed to ensure that you and your loved ones or your business if you are self-employed, are financially secure if anything should happen in the future.

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

Those with severe coarctation of the aorta usually require surgery, although this will depend on their age and overall health. The required procedure is one that widens the aorta, known as an angioplasty procedure.

How Rheumatoid Arthritis 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!

Rheumatoid Arthritis Life Insurance premiums and terms will depend on several key factors, such as:

Date of diagnosis

Frequency of symptoms

Severity of symptoms

Medication / Treatment

Related conditions

The Insurance Surgery is a leading life insurance specialist for people with all types of Arthritis, such as Rheumatoid Arthritis. Our team of expert advisers has helped to provide financial protection for thousands of individuals, families and businesses to get the cover you need at the right price. We aim to save you money on life insurance as well as making sure that you have the best possible cover for your family now and in the future.

Rheumatoid Arthritis critical illness cover

Critical illness cover for people with Rheumatoid Arthritis is also generally readily available and usually on favourable terms / rates, especially for people with mild symptoms. As with life insurance, Rheumatoid Arthritis critical illness cover will usually require supporting evidence from your GP or specialist and some additional information regarding your condition. As with most applications for critical illness cover where there is some sort of medical history or disclosure, terms for Rheumatoid Arthritis critical illness cover can also be offered on special terms which could mean exclusions for your condition and any related conditions and/or some kind of additional loading to your premium.

Rheumatoid Arthritis income protection

Generally it can be more difficult to get cover for Rheumatoid Arthritis income protection due to the related musculoskeletal issues and the amount of claims for income protection specifically relating to musculoskeletal problems. Due to the increased risks of these types of complications and problems, we find that most mainstream insurance providers would not offer Rheumatoid Arthritis income protection cover and therefore we would usually need to apply to specialist insurers. If cover was available then it would usually be accepted on the basis of special terms being imposed and usually with some sort of exclusions to the policy.

Rheumatoid Arthritis life insurance

People who suffer from Rheumatoid Arthritis looking for life insurance will generally be able to get cover fairly easily in our experience and can be accepted at standard rates. Rheumatoid Arthritis life insurance terms will generally depend on a number of factors, including:

When you were diagnosed

How often you have flair ups

Severity of your symptoms

Medication / treatment (e.g. name and dosage)

Whether you have had surgery for coarctation of the aorta

Whether you smoke

The impact your condition has on your job

For people with mild symptoms and good control (mild medication), it should be possible to get cover for Rheumatoid Arthritis life insurance with no additional premium loading (standard rates). Most individuals we see who suffer from Rheumatoid Arthritis looking for life insurance are able to get the cover they need with no loading or possibly a small loading to the premium.

Rheumatoid Arthritis life insurance premiums for more severe symptoms which could include more regular and stronger flare ups requiring stronger treatment / medication. Anyone with Rheumatoid Arthritis having higher levels if treatment such as Mothotrexate, Leflunomide, Sulfasalazine etc. (Disease-modifying anti-rheumatic drugs or DMARD’s) or Biological Treatments will usually find that there will be a loading to their Rheumatoid Arthritis life insurance premiums.

If you have applied for Rheumatoid Arthritis life insurance in the past and especially if you have had cover accepted on special terms then it could be worth reviewing your cover based on your current circumstances and potential improvements in underwriting.

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

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.

How Much Does Life Insurance for HIV Cost?

Since the introduction of Highly Active Antiretroviral Therapy (HAART), premiums for those living with HIV have significantly reduced over the last 15 years. The amount you pay each month in policy premiums depends on your specific circumstances. When assessing your application, insurers will take into account factors such as your CD4 count and viral load.

Our experts will help you find the best deal to suit your needs and budget, taking the time to go through the different policies and discuss any concerns you may have.

For a clearer idea of the average cost of life insurance, visit our Guide.

Life Insurance with HIV Case Study 1

James is 31 years old and was diagnosed with HIV in 2017. He wanted to obtain both life insurance and critical illness cover to support his wife and child should anything happen.

We found James Life Insurance & Critical Illness Cover below:

Total Cover
Amount:

£40,000

Monthly Premium
Cost:

£22.41

Duration of
Policy:

30 years

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

How much cover do you need?

You can use our Cover Calculator below to determine how much cover you need. Additionally, you will need to take into consideration the following:

Any outstanding debts

Mortgage/rent

Number of dependants

Take-home pay or income from other sources

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<br>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.

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By Policy

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Life and Health Insurance for Business

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Rheumatoid Arthritis Life Insurance

What Is Rheumatoid Arthritis Life Insurance?

Risk of aortic rupture

Nosebleeds

Cramping sensations in the legs

Sensitivity to hot and cold

Weak muscles

How Rheumatoid Arthritis Insurance works:

Date of diagnosis

Frequency of symptoms

Severity of symptoms

Medication / Treatment

Related conditions

Rheumatoid Arthritis critical illness cover

Rheumatoid Arthritis income protection

Rheumatoid Arthritis life insurance

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.

How Much Does Life Insurance for HIV Cost?

For a clearer idea of the average cost of life insurance, visit our Guide.

Life Insurance with HIV Case Study 1

Total Cover Amount:

£40,000

Monthly Premium Cost:

£22.41

Duration of Policy:

30 years

Life Insurance with HIV Case Study 2

Total Cover Amount:

£160,000

Monthly Premium Cost:

£15.23

Duration of Policy:

20 years

How much cover do you need?

Any outstanding debts

Mortgage/rent

Number of dependants

Take-home pay or income from other sources

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 beat<br>the price and also give you a £50 gift card!*

Frequently Asked Questions

For More Information, Check Out Our Latest Blogs

Monday to Thursday:

Friday:

Useful Links

Total Cover
Amount:

Monthly Premium
Cost:

Duration of
Policy:

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