The Top Plans for Final Expense Insurance with Arthritis

final expense insurance with arthritis
The Top Plans for Final Expense Insurance with Arthritis

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!

But you could have googled that if you wanted to know statistics, let’s get into what you clicked on this article for.

You probably are here because you want to know if having this joint pain will affect your ability to get coverage for your end-of-life expenses. We will answer this question along with recommendations for top burial insurance companies.

So without further ado….

Final Expense Insurance with Arthritis

Will this condition affect your ability to get coverage?


In fact, most companies will not even ask about it!

Every diagnosis counts when trying to get coverage.

With that said, 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 coverage 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 that has limitations based on autoimmune conditions.

doctor showing joint scans to senior man

Policy Basics

Final Expense coverage falls into the category of Simplified Issue Whole Life Insurance.

Simplified Issue means that you will not be asked to get a medical exam in order to qualify – ever!

Whole Life is coverage that never expires and is completely locked in for life, assuming you pay the premiums to keep the policy up to date.

This coverage includes the following:

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

You must qualify for a Level plan in order to have no waiting period.

There are 4 plan types within this area of coverage.


Level plans have no waiting period and the lowest premiums but are the hardest to qualify for. These plans are for people who are generally healthy that have not received a major diagnosis or treatment within the last several years. There will be a series of health questions that the applicant will need to answer “NO” to.


True Graded plans have a waiting period with partial coverage available immediately. The premiums are slightly higher than Level and are for those with certain conditions that the providers consider to be higher risk, which is why the waiting period is imposed. The typical waiting period lasts for 2-years with the following payout structure.

  • Death in year 1 – 30% of policy is paid to beneficiary
  • Death in year 2 – 70% of policy is paid to beneficiary
  • Death in year 3 or later – 100% of the policy is paid

Note: Some companies refer to their Modified plans as Graded. Make sure that if you are intending to get a Graded plan it actually has a Graded payout.


A Modified plan is more expensive and also includes a 2-year waiting period. The main difference between Graded and Modified is the payout structure during the waiting period. Typical Modified payouts look like this:

  • Death in year 1 – Return of paid premiums +10% interest
  • Death in year 2- Return of paid premiums +10% interest
  • Death in year 3 or later – 100% of the policy amount is paid to beneficiary

Guaranteed Issue

Guaranteed Issue plans accept 100% of the people who want them. They are generally the most expensive option and always have a waiting period.

With certain providers, it is possible to find a Guaranteed Issue policy that is less expensive than the Modified plan from another company. Guaranteed Issue and Modified both have the same payout structure during the waiting period, the return of premiums plus interest until the waiting period concludes.

Now that you have a better understanding of the plan types, let’s discuss how this plays into gaining a policy.

While there are some companies that will only offer Graded coverage for those with joint pain, the majority will offer Level.

senior man in park with cane in pain


This is the process of determining what type of policy someone will qualify for.

As mentioned, if you answer “NO” to all of the health questions on the application for coverage, from any given company, you will almost certainly be able to qualify for Level coverage.

There are, however, a few other things that most companies will check before Level coverage can be awarded.

In order to verify your answers, the underwriter will check two things, MIB & prescription history.


MIB stands for Medical Information Bureau. This is an organization that 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 that you are taking as this could affect acceptance of your application.

One thing to note with this is that if you have FILLED a prescription, they will assume that you are in fact 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.

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 be able to 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.

woman with arthritis pain in hand

Top Plans

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.

Mutual of OmahaMutual Of Omaha Logo

This company has an outstanding reputation in its field. Offering one of the best coverage options to those who qualify, this company takes the cake.

2 plans are offered within this field of coverage:

Level – This plan offers immediate coverage at very low rates. In fact, you will be hard-pressed to find rates that are lower than this plan. The underwriting for this plan is fairly strict but certainly not impossible to qualify for. This is the ultimate coverage option for those with joint pain!

Graded – This is actually a Modified plan wearing the name-tag of a Graded plan. This plan has a 2-year waiting period and fairly high premiums. During the waiting period if the insured passes the beneficiary will receive the paid premiums +10%, sounds like a Modified plan to me!

For those that have any diagnosed form of joint pain, this company will accept you for either plan. The application asks ZERO questions about this painful condition.

Of course, our recommendation is to go with the Level coverage with super low rates and immediate coverage upon approval.

To learn more about what it takes to qualify for coverage you can see the full list of health questions in our full review on the “blog” page found under the main menu.



$10,000 of Coverage

*Monthly Premiums

Age Level Graded
45 $25 $42
50 $29 $46
55 $35 $60
60 $43 $75
65 $56 $95
70 $74 $120
75 $100 $170
80 $133 $254
85 $183 NA


$10,000 of Coverage

*Monthly Premiums

Age Level Graded
45 $23 $35
50 $25 $38
55 $28 $46
60 $33 $53
65 $41 $65
70 $53 $86
75 $72 $127
80 $98 $184
85 $136 NA

Foresters FinancialForesters Financial Logo black and white

This company is a Fraternal Benefits Organization meaning that in addition to quality life coverage, they operate as a non-profit and offer discounts to policyholders for dental, vision, legal, and hearing services.

There are 3 plans available:

Preferred – This is a Level product meaning it has no waiting period and low prices.

Standard – This is also a Level product but with slightly higher prices than Preferred. They do this by being slightly more lenient with the underwriting, but not too lenient that it warrants a waiting period. This is still a policy with immediate coverage.

Basic – This is a Modified policy that has a 2-year waiting period with a return of premiums +10% given should death occur during this time. This plan is the most expensive one from Foresters Financial.

For those with joint pain, all of these plans will accept you with open arms.

To learn more about getting a plan with Foresters Financial visit our “blog” page under the main menu, where you will find the full list of qualifying health questions.



$10,000 of Coverage

Non-Tobacco Monthly Premiums

Age Preferred Standard Basic
50 $32 $45 $47
55 $37 $59 $60
60 $45 $74 $74
65 $56 $93 $95
70 $73 $112 $118
75 $103 $161 $171
80 $147 $216 $259
85 $201 $308 NA

$10,000 of Coverage

Non-Tobacco Monthly Premiums

Age Preferred Standard Basic
50 $26 $37 $37
55 $31 $43 $44
60 $34 $50 $52
65 $43 $65 $66
70 $53 $83 $86
75 $75 $120 $132
80 $111 $167 $192
85 $166 $253 NA

Captive vs Independent Agencies

Both of these types of agencies go through the same process in order to get licensed to provide people with the coverage they are looking for.

The difference between the two is simple but profound.

Captive agencies are able to sell products from one company and one company only.

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

Captive agencies often sell across multiple lines of coverage including home, life, and auto while independent agencies can choose to specialize in a particular field of service or provide options across all lines.

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 Willamette Life

Willamette Life is an independent agency that specializes 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.

From California to Maine we are here to help you find YOUR best coverage.

Final Thoughts

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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