Burial Insurance With Arthritis

Jake Irving

Jake Irving is the Founder of Policy and has contributed to articles for Synchrony Financial, GoBankingRates, Yahoo News, UpCity, Zapier, LegalZoom, and more.

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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 arthritis 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 – 85 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. You can also complete the entire application over the phone in about 20 minutes.

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

Underwriting Burial Insurance With Arthritis

Underwriting is the process of determining what type of policy someone will qualify for. Final expense insurance applications will ask 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 that has 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 policy with a waiting period from these companies. Your overall health makes a big difference, so 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. Per medical privacy laws, you will have to sign an authorization to move forward with the underwriting process. They will use this information to verify that all of your medical application answers were a truthful representation of your health.

Prescription History

Prescription history 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 acceptance.

If you have filled a prescription known to treat a sickness that the application asked about, they will assume 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 with an additional health concern, please either look into coverage with that condition or ask your agent.

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

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 wellness. 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 burial insurance policy available. Since each company sets its own pricing, work with a low-cost provider. However, the company’s financial strength and coverage start date come first.

How to Buy Funeral Insurance with Arthritis

There are two main ways to purchase funeral insurance with arthritis.

Directly from Insurance Carrier: You will likely be buying from the insurance company’s website or over the phone from an agent representative. This might seem like the most suitable way to get a policy, but there are drawbacks to this route.

Often the insurance company’s top products are contracted out to agencies, so the best plans are unavailable to the representative over the phone.

Insurance Agencies: Getting your policy through an agency allows the consumer more options because the agency can have contracts with several insurance providers.

Insurance agencies have more freedom and a more expansive portfolio of offerings while working directly with the company provides limited options.

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, you will qualify with the majority of insurance carriers.

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 insurance agency that has access to top plans.