Life Insurance with Rheumatoid Arthritis

Can I get affordable life insurance with Rheumatoid Arthritis?

It is possible to find affordable life insurance with rheumatoid arthritis. You must work with an agent who is skilled in the area of special risk life insurance.

Finding affordable life insurance with rheumatoid arthritis starts with finding the right insurance company to talk to. All insurance companies publish the same standard rates. The secret is finding the right company that will underwrite your medical history and lifestyle the best.

An independent agent who represents multiple insurance companies is the best. The agent needs to have a background in knowing which insurance companies look most favorably at a particular risk.

Fortunately, you have landed on the right page. We are experts in finding the most affordable life insurance with rheumatoid arthritis. First let’s take a look at what rheumatoid arthritis is and how insurance companies view this special risk.

What is Rheumatoid Arthritis and how is it treated?

Rheumatoid arthritis can be a painful disease. RA is a symmetric inflammatory disease affecting 1-2% of the adult population.  Unfortunately, their is no cure for rheumatoid arthritis. It can occur at any age, but is usually diagnosed in the third to fifth decade and affects women twice as often as men.

Typical symptoms and findings of rheumatoid arthritis include:

  • Morning stiffness
  • Arthritis in multiple joints
  • Symmetric arthritis (both hands)
  • Rheumatoid nodules located under the skin
  • Positive rheumatoid factor (blood test)
  • Typical x-ray findings

Rheumatoid arthritis can affect many other organs besides the joints, such as the heart and lungs. Other effects can include: weight loss, fever and low blood counts.

A significant proportion of RA patients are disabled to some degree within 5 years of diagnosis, and many stop working by 10 years.

When insurance companies underwrite life insurance with rheumatoid arthritis, they are concerned with the excess mortality risk in RA due to infections, GI bleeding, other organ involvement and cardiovascular disease.

Medications used to treat RA can have significant side effects, and play a key role in how underwriters view cases on RA.

Some of the common medications used include:

  • Aspirin
  • Non- Steroidal anti-inflammatory agents (NSAID)
  • Hydrochloroquine
  • Prednisone
  • Sulfasalazine
  • Methotrexate

In fact, the long term use of steroids can sometimes have more impact on the rating for life insurance with rheumatoid arthritis than the actual RA itself. In other words, the treatments are typically worst than the cause from an underwriting standpoint.

Life insurance underwriters typically assign a rating risk for life insurance with rheumatoid arthritis based on the severity of the disease.

  1. Mild- normal labs and x-rays. No functional disability or other organ involvement. Treated with simple medication regimens including NSAID, aspirin, hydroxychoroquine and minocycline. This typically would not involve any extra charge or rating from the insurer. 
  2. Moderate- some abnormal labs and higher medications with longer term use of steroids. This typically would be subject to a 50% to 100% extra premium charge.
  3. Severe- Functional disability, wheelchair bound, or rheumatoid arthritis involving major organs. This would typically be subject to a declination of coverage.

It needs to be pointed out again, that the key to finding the lowest rate for life insurance with rheumatoid arthritis is finding the carrier that will offer the best risk class based on some of the information stated above.

One insurance company may look at a RA case and immediately place that individual into the moderate risk class. While another insurance carrier may place that individual in the mild risk class. The difference in risk class can be significant. One insurer may want to charge double what another insurer would be willing to offer.

Your agent is the best advocate you have when looking for the lowest cost life insurance with rheumatoid arthritis. It is their job to fight for the best offer and make the insurance companies compete against one another.

What questions will an insurance company ask?

When shopping for life insurance with rheumatoid arthritis you will be asked several questions. These questions will help your agent and the insurance carrier determine what risk class you may fall into. Some of these questions include:

  • Male or Female
  • Date of Birth
  • Date of first diagnosis of RA
  • Currently taking any medications or over the counter supplements? If so, name and dosage
  • Have you had any of the following: Weight loss, Fever, lung disease, low blood counts, heart disease, liver enzyme abnormality, kidney disease
  • Which joints are involved
  • What is your functional ability? I.E. Fully active, sedentary, use walker, cane, etc. use wheelchair
  • Have you use tobacco products in last 5 years?
  • Any other major health conditions?

In addition to the medical information noted above, it is also important to note how much coverage you need. What type of plan of coverage are you looking for?

If you are looking for the lowest cost life insurance with rheumatoid arthritis, I urge you to contact us at 1-888-393-9003 or e-mail Mike Raines at 

We are experts in the special risk life insurance market. We personally answer our phone. No more worries of talking to several different agents to find the lowest rate. We do all the shopping and negotiating for you.

For a FREE quote

Call, text, email or fill out our instant quote form:

Call: 678-207-8160
Text: 678-207-8160
Instant quote form: Click here

How can I help?

Mike Raines

I am an independent life insurance agent with over 30 years’ experience. I am an expert in finding coverage for those with past or current medical history such as heart disease, diabetes, post cancer, etc. I also specialize in those that participate in scuba diving, mountain climbing, private pilots, etc. I work with the best life insurance companies in the nation, such as Prudential, AIG, Protective Life, Transamerica to name a few. Each carrier has different opinions on rates and underwriting, and it is my job to match you with the best company. To do that, I need to ask you a few questions about your health and lifestyle to qualify you.

For a FREE quote, call, text or email:

Call: 678-207-8160

Text: 678-207-8160


Mailing Address:
3482 Keith Bridge Road Suite #125
Cumming, GA 30041


As part of the process of buying a new business, I needed life insurance. However, my congenital heart defect made agents squirm over the phone. Then I found Mike, who not only understood my situation, but found two solutions for me. Within a week, I had confirmation of an AD&D policy and a Term Life policy…all at very reasonable rates. The sense of relief can’t be underestimated. Thank you, Mike!

- Heather G. From Crestview, Fl.

Mike and his team did an extra ordinary job of handling my life insurance situation.  I was unable to secure life insurance because I had cancer 17 years ago however Mike and his team navigated through the challenges to get me a 15 year policy at great monthly rates. Thank you Mike for all your work in in this challenging situation.

- Nathan S. from St. Paul, MN.

Best rates and best service I have ever received.

- Robert from Kennesaw, GA.

Mike was extremely helpful in locating a life insurance company that would accept a preexisting condition at a reasonable price. He saved time by submitting health records to several companies for a quick preview then following up with the one who offered the most reasonable premium. He knows which companies are most likely to accept certain conditions. Throughout the application process Mike was very quick to respond to e mails and phone calls. We highly recommend Mike if you need life insurance and have a preexisting condition.

- Henry R. from Springfield, TN.

I could not be happier working with Mike Raines to get life insurance coverage for myself after having been declined for health reasons by my employer. My wife and I just had a son and it had become more imperative than ever that my family be protected if I were to pass away. The health screening appointment was conducted at my home around my schedule, which was very convenient. It was clear to me that Mike went above and beyond to make sure the underwriter fully understood my situation, going to bat for me so that I would not be declined again. I am a very happy customer.

- Daniel S. from Seaside, CA.

Mike and Special Risk Term are absolutely top shelf! I was worried that I would not be able to get term life insurance to protect my family, or that the costs would be exceedingly high.

Mike knew the industry inside and out and knew which companies would provide the best options. He coordinated with the underwriters to get the job done and get me an affordable plan, and kept me updated throughout the entire process. Not to mention he did it all electronically in the age of COVID without ever having to meet in person. Highly recommend. Excellent service and expertise!

- Chris M. from Laguna Niguel, CA.

Mike did an outstanding job getting me my coverage. He went above and beyond answering all my questions. He always returned my calls immediately even on the weekends!!! I highly recommend him.

- Aileen from Woodstock, GA.

As someone with a past cancer diagnosis, finding life insurance had been a huge annoyance. Mike made it easy, and somehow found quotes that were significantly more affordable than what others gave me.

- Matthew from St. Louis, MO.

Mike and his team made the entire process from start to finish very seamless and also overcame the task with us being multiple states apart with ease. With the easy process and very competitive priced insurance for high risk athletes, you have no need to look anywhere else for coverage. Thanks to Mike and his team for all they did and I highly recommend them for your Special Risk Life Insurance needs.

- Tyler C. from Danville, VT.

Thank you very much, Mike, for all your help in this long process. I know it wasn’t easy, but I appreciate you not giving up on my application and helping provide peace of mind to me and my family.

- Craig S. from Savannah, Ga.

We work with individuals across the nation to secure the best life insurance rates.

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