1. 710 POINTS
    Larry Tew
    Larry Tew Financial, Raleigh, NC
    Any medical issue can have an impact on your life insurance application. Companies have underwriting guidelines that address both osteo and rheumatoid arthritis. If you have detailed specifics about your arthritis, I suggest you provide details about the arthritis to the insurance company and ask them for a probable underwriting outcome.

    This gets you in the ballpark, but realize that until you actually go through the underwriting process and the company gets a look at your medical file, it will all just be an educated guess.
    Answered on April 7, 2013
  2. 63333 POINTS
    Peggy Mace
    Most of the U.S.
    Aside from the type of arthritis, insurance companies want to know about stability (have you had recent attacks? has your mobility or strength gone backwards over the past years?), treatment (are you taking narcotic pain pills? are you on steroids?) and the impact of the arthritis on your life (are you able to work full time? can you dress and bathe yourself without assistance?). As with most health conditions, arthritis ranges from mild to severe and the type and degree of arthritis you have can affect your premiums accordingly.
    Answered on April 28, 2013
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