Final Expense Insurance With Arthritis: Top Plans & Quotes

final expense insurance with arthritis
Final Expense Insurance With Arthritis: Top Plans & Quotes

According to the Center for Disease Control and Prevention, 23% of adults in the United States have some form of arthritis. That comes out to a shocking 45 million people!

Can I Get Final Expense Insurance With Arthritis?

Getting burial life insurance with arthritis is possible at a low rate. Most applications will not even ask about arthritis, which means that it is not even a consideration during underwriting.

Burial Insurance Policy Basics

Final expense coverage is also known as burial and funeral insurance. This coverage is intended for people 50 – 80 and falls into the Simplified Issue Whole Life Insurance category.

Simplified Issue: This means that you will not be asked to get a medical exam to qualify.

Whole Life: This coverage never expires and is completely locked in for life, assuming you pay the premiums to keep the policy up to date. The price you pay will never increase, unlike other types of life insurance.

Funeral insurance has the following benefits.

  • No Expiration
  • Coverage Lock
  • Price Lock
  • Builds Cash Value
  • No Medical Exam
  • No Waiting Period Options

senior man in park with cane in pain

Underwriting Burial Insurance With Arthritis

This is the process of determining what type of policy someone will qualify for. Final expense insurance applications will ask a series of yes or no health questions. By answering favorably to these questions, you will be awarded top-tier coverage.

Every diagnosis counts when trying to get coverage.

Certain types of arthritis can be caused by preexisting conditions, including lupus and psoriasis.

Most applications will ask about lupus but will not ask about psoriasis. Please mention your lupus diagnosis to your agent or read our recommendations in an article specific to getting final expense insurance with lupus.

Some companies will ask about auto-immune disorders. For those with rheumatoid arthritis, please mention this to your agent, so they do not try to place you with a company with limitations based on auto-immune conditions.

Most Applications do Not Ask about Arthritis

A few companies ask specifically about auto-immune conditions, including rheumatoid arthritis. People with this condition may only get a Graded policy from these companies. Your overall health makes a big difference so make sure to be upfront and honest with your agent when they ask about your health.

Applicants will never be asked to get a medical exam. However, to verify your answers, the underwriter will check two things, MIB & prescription history.


MIB stands for Medical Information Bureau. This organization helps underwriters eliminate errors, omissions, and misrepresentations. You will have to sign an authorization in order for this information to be checked, per medical privacy laws. They will use this information to verify that all of your answers were a truthful representation of your health.

Prescription History

This is another thing they will look into. Again this is to verify your answers on the application. Be upfront and honest with your agent about the medication you are taking, as this could affect the acceptance of your application.

One thing to note with this is that if you have filled a prescription, they will assume that you are taking it. If you have filled a prescription that is known to treat a condition that was asked about, they will assume that you are treating this condition. If you are taking it for an off-label condition, make sure you let your agent know.


woman with arthritis pain in hand

Top Plans For Funeral Insurance With Arthritis

The policy recommendations below from different companies are specific to those who have been diagnosed with joint pain.

For anyone who has an additional health concern, please either look into coverage with that condition or ask your agent. Based upon other conditions in your medical history, you could potentially run into issues with the below plans if the carriers consider another diagnosis to be a “red-flag” condition.

The life insurance companies listed below provide low rates and are well-respected providers.

With that said, there are three main things to look for before applying for burial insurance.

Company’s Financial Strength: Insurance providers are assessed scores based on their financial fitness. Work only with providers that have a high score because this is an indication that they will be able to pay out the claim when due.

Start of Coverage: Whenever possible, get coverage that begins immediately. People with arthritis will have no issue qualifying for immediate life insurance protection.

Monthly Cost: Get the lowest cost available. Since each company sets its own pricing, work with a low-cost provider because most burial insurance policies are very similar. However, the company’s financial strength and coverage start date come first.

How to Buy Funeral Insurance with Arthritis

Both captive and independent agencies go through the same process to get licensed to provide people with the coverage they are looking for. The difference between the two is simple but profound.

Captive Agencies: This type of agency is able to sell products from one company and one company only.

Independent Agencies: Independent agencies are able to have contracts with several companies, allowing them to provide more options to the consumer.

Independent agencies essentially have more freedom and a more expansive portfolio of offerings while captive agencies must stick with the product(s) they are given.

Why You Should Consider Working with Willamette Life

Willamette Life is an independent agency specializing in finding affordable Final Expense Insurance for our clients.

By having this specialty we are able to represent the top carriers with the best plans in the industry. When deciding to offer a product we first drill down on the details, looking through the lens of potential clients, to make sure the policy is worthy of offering.

The goal of the agents at Willamette Life is to find the plan with the lowest cost and immediate coverage for each and every one of our clients.

doctor showing joint scans to senior man

Final Thoughts About Burial Insurance With Arthritis

a. Finding affordable Final Expense Insurance with arthritis is possible with no waiting period.

b. If your only diagnosed health concern is joint pain, the best policy is the Level plan from Mutual of Omaha. Several others will provide great coverage as well.

c. The entire health history of the proposed insured will come into play when getting immediate coverage which is why it is important to work with an independent agency that has access to a multitude of plans.

Give Willamette Life a call at 844-576-0019

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