Yes, you need to disclose that you have rheumatoid arthritis during the application process.
If your condition isn’t disclosed and you pass away through complications relating to rheumatoid arthritis, your loved ones won’t be able to make a claim on your life insurance.
If you intentionally don’t disclose a medical condition or risky lifestyle behaviour, or give false information on an application, this is classed as ‘non-disclosure’.
Non-disclosure is a type of insurance fraud and can result in future claims being rejected and the policy being terminated.
It’s not obligatory to inform your life insurance provider if you’re diagnosed with rheumatoid arthritis during the term of your policy.
However, this may delay pay outs to your loved ones on a claim if you pass away through related complications while insurers look into the death. Insurers have the right to investigate if you had a condition at the time of a policy’s inception.
If they can find evidence you did, it can prevent the sum assured (the pay out sum) being released to your loved ones.