Rheumatoid Arthritis Support Group
Rheumatoid arthritis is a chronic, inflammatory, multisystem, autoimmune disorder. It is a disabling and painful condition which can lead to substantial loss of mobility due to pain and joint destruction. The disease is also systemic in that it often also affects many extra-articular tissues throughout the body including the skin, blood vessels, heart, lungs, and...
Of course, hindsight is 20/20 and I would've, could've, should've gotten a term life policy years before my diagnosis at 34 (3 years ago).
I have just started researching and I'm curious what other's experiences have been if you tried to get term life insurance after diagnosis.
Were you declined or if you were approved, what rating did you receive? Did you use a high-risk insurance broker or did you go through traditional channels?
And, if you don't mind sharing, what rate did you get for coverage?
Thanks!
I have just started researching and I'm curious what other's experiences have been if you tried to get term life insurance after diagnosis.
Were you declined or if you were approved, what rating did you receive? Did you use a high-risk insurance broker or did you go through traditional channels?
And, if you don't mind sharing, what rate did you get for coverage?
Thanks!
I think we pay $70 for $100,000 but my hubby keeps up with that.
If you have been diagnosed by a doctor, using insurance, medicated or not, upon your death, if the research of your history shows up a diagnosis PRIOR to coverage that you did not claim, your insurance will not pay. I know this first hand. My grandmother had diabetes. She was prediabetic when she got life insurance. Upon her death, the term policy she had would not pay (was challenged in court even) because she had not declared the prediabetes. Prediabetes isn't even full blown diabetes, yet, it invalidated her policy. When you read the very very fine print, it's all perfectly laid out.
Back to your original question - yes, you can get insured. And there are even companies who specialize in insuring chronic conditions. They may only give you a 10 year policy versus a 20, or have a cap of how much you are insured. (all perfectly calculated based on research/stats)