Can You Get Life Insurance with Osteoarthritis?

Shawn Plummer

CEO, The Annuity Expert

Understanding Life Insurance Eligibility with Osteoarthritis

Is It Possible to Get Life Insurance with Osteoarthritis? Yes, individuals with osteoarthritis can obtain life insurance. While osteoarthritis is a consideration for insurers, it is not an automatic disqualifier. The key factors affecting eligibility and rates are the severity of the condition and its impact on your overall health and daily activities.

Factors Affecting Insurance Approval and Rates:

  • Severity of Osteoarthritis: Mild or moderate osteoarthritis typically allows for standard insurance rates, whereas more severe cases might lead to higher premiums.
  • General Health Condition: Overall health, apart from osteoarthritis, plays a crucial role. Good health can lead to more favorable rates.
  • Lifestyle and Management: Lifestyle choices and effective management of osteoarthritis, such as regular exercise and a healthy diet, can positively influence insurance decisions.

Options for Life Insurance with Osteoarthritis

  1. Standard Life Insurance Plans:
    • Suitable for individuals with mild to moderate osteoarthritis.
    • Requires a medical examination.
    • Rates depend on the severity of the condition and overall health.
  2. Final Expense Plans:
    • Ideal for those who may not qualify for a fully underwritten plan.
    • Generally requires no medical examination.
    • Provides coverage for end-of-life expenses.

Life Insurance Options for People with Osteoarthritis

Insurance TypeSuitable ForMedical Exam RequiredCoverage FocusPremium Dependency
Standard Life InsuranceMild/Moderate OsteoarthritisYesComprehensive Life CoverageSeverity of Osteoarthritis, Health
Final Expense InsuranceSevere Osteoarthritis or ElderlyNoEnd-of-Life ExpensesLess Dependent on Health Status


Individuals with osteoarthritis have viable options for obtaining life insurance. The key is to understand the type of insurance that best fits your condition and overall health. Standard life insurance plans are a good option for those with milder forms of osteoarthritis, while final expense insurance plans cater to more severe cases or for those seeking specific end-of-life expense coverage. Remember, the severity of osteoarthritis and overall health are significant factors in determining your insurance rates and eligibility.

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Shawn Plummer

CEO, The Annuity Expert

Shawn Plummer is a licensed financial professional, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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