Can I Get Life Insurance If I Have Rheumatoid Arthritis? 
Yes , you can normally get life insurance if you have rheumatoid arthritis . The availability , price and type of policy will depend on the severity of your disease and your age . If you are in a wheelchair or unable to do your own Activities of Daily Living -LRB- ADL 's -RRB- , you are only able to get guaranteed issue life insurance . This is mainly offered to older ages -LRB- age 40 or 50 + -RRB- . So younger persons who needs assistance with dressing or uses a wheelchair may be uninsurable for Life Insurance until they reach that age . They can get Accidental Death coverage . Most people with rheumatoid arthritis are able to be employed and lead an active life . For them , life insurance will be rated just a bit higher than for persons without rheumatoid arthritis . If pain medication is involved . underwriters will look at the type and amount . Excessive or narcotic pain medication use can cause a high rating or necessitate using a No Exam policy at somewhat higher rates . As with most health conditions , rheumatoid arthritis is far different from one person to another . Using a life insurance agency that carries multiple products and understand impaired risk underwriting will help you get the most affordable rheumatoid arthritis life insurance policy . 