Affordable Burial Insurance with Arthritis

Living with arthritis can be difficult, but finding affordable burial insurance with arthritis shouldn’t be. Regardless of the severity of your arthritis, there is a life insurance policy available to you.

Most burial life insurance companies will arthritis patients (but some won’t accept certain medications). The good news is, arthritis is generally a non-issue with most insurance companies. They will not ask about it in their health questions on the application. And, it is also okay if you are taking medications to manage your condition.

And, even if your arthritis condition is deteriorating and you are concerned that you will not be eligible for life insurance, you can still qualify for life insurance. You will not have trouble getting burial insurance.

Most final expense insurance company will issue you a plan with immediate coverage. There will be no waiting period, and you will be able to access the lowest rate.

In this article, we will explore underwriting for final expense insurance with arthritis. Learn what kind of insurance options you will have, and how to find the most affordable burial insurance with arthritis. We will also help you to get the most amount of coverage for the least amount of money.



Arthritis is a common medical condition affecting 27 million Americans. This condition can cause pain, discomfort, and sometimes disability. Although this condition is not that serious compared with other medical conditions, it can still affect your life insurance rates.

Here are some common types of insurance that people often have questions about:

  • Arthritis burial insurance
  • Arthritis final expense insurance
  • Arthritis life insurance
  • Gout burial insurance
  • Gout final expense insurance
  • Gout life insurance
  • Lupus burial insurance
  • Lupus final expense insurance
  • Lupus life insurance
  • Osteoarthritis burial insurance
  • Osteoarthritis final expense insurance
  • Osteoarthritis life insurance
  • Psoriatic arthritis burial insurance
  • Psoriatic arthritis final expense insurance
  • Psoriatic arthritis life insurance
  • Rheumatoid arthritis burial insurance
  • Rheumatoid arthritis final expense insurance
  • Rheumatoid arthritis life insurance

Here are some common internet search terms for people with Arthritis searching for burial or final expense insurance:

  • Burial insurance arthritis
  • Burial insurance psoriatic arthritis
  • Burial insurance underwriting arthritis
  • Does burial insurance cover arthritis
  • Does final expense cover arthritis
  • Does life insurance cover arthritis
  • Does rheumatoid arthritis affect burial insurance
  • Does rheumatoid arthritis affect final expense insurance
  • Does rheumatoid arthritis affect life insurance
  • Final expense insurance arthritis
  • Final expense psoriatic arthritis
  • Final expense underwriting arthritis
  • Life insurance arthritis
  • Life insurance psoriatic arthritis
  • Life insurance underwriting arthritis
  • Rheumatoid arthritis life expectancy and life insurance

As you can see, people often have lots of questions about how arthritis will affect their life insurance, burial insurance, and final expense insurance needs. They are also looking for a trusted insurance agent who will get them the most amount of coverage for the least amount of money.

The good news about buying burial insurance with arthritis is that you can qualify for funeral insurance plans. Even with this arthritis, life insurance can still be affordable.

It may surprise you, but arthritis is a non-issue with almost all of the final expense companies. The companies will not ask about it in their health questions. And, it is also okay with them even if you are taking medications to manage your condition.

Furthermore, you will pay the same premium as a person in perfect health, and you will have first-day coverage.

If you’re looking for life insurance and you’ve been diagnosed with arthritis, keep reading this detailed guide on how to get affordable burial insurance with arthritis.


There are several types of life insurance coverage options available to you if you have arthritis and you’re looking for some kind of life insurance coverage.

LEVEL DEATH BENEFIT (First-day coverage)

A level benefit plan is the best insurance option for people with arthritis. Level benefit insurance plan comes with first-day coverage and no waiting period. You will also pay the lowest premium with this plan.

Several burial insurance carriers are not concerned with arthritis. In fact, they don’t even ask about arthritis!

A company with simplified underwriting is seldom concerned with your arthritis. Their no exam policies are the best because you will be covered immediately. Level death benefit policies are straightforward and provide 100% death benefit from the first day of the policy.

If you have arthritis, we have companies that will accept you with a level death benefit. The life insurance payout will be the same throughout the whole life of the policy. Additionally, your premium will never increase.

Level death benefit works this way. Let’s say Bruce applies for $25,000 burial insurance. The insurance company approves his application with level death benefit coverage. Two days later, Bruce passed away due to an accident. Bruce’s beneficiary will receive the $25,000 death benefit tax-free to help pay for his funeral costs.

Arthritis as a standalone condition will not create an issue unless you have other health conditions that may prevent you from qualifying for first-day coverage.

Here are the benefits of first-day coverage life insurance:

Rates Never IncreaseYes
Coverage Never DecreasesYes
No Medical ExamYes
Same Day ApprovalYes
Death Claims Pay FastYes
Builds cash valueYes
Coverage Up To Age 121 Yes


We’re not saying that the insurance companies will completely ignore arthritis. There are some cases when severe arthritis can cause disability and mobility issues. Sometimes arthritis can cause damage to some organs like the lungs or heart, which may affect your ability to breathe correctly and may shorten your lifespan. In this case, you will be declined for a level death benefit plan, and your only option for coverage is a guaranteed issue burial insurance.

Guaranteed issue policies are the next best choice for anyone who will not get through traditional underwriting because of other medical conditions, wheelchair use, or needing help with activities of daily living.

Your approval is guaranteed regardless of your severe arthritis, disability, and mobility issues. Applying for a guaranteed issue burial insurance is easier because it does not require a medical exam, and it has no health questions either.

Remember that even if you have major health issues, you will not be denied coverage with a guaranteed issue life insurance without health questions. Applying for GI is easier because it does not require a medical exam and it does not ask about your health. This means that even if you have a terminal illness like cancer, you can still be eligible for coverage.

Whatever happens, as long as you keep paying your premiums on time, your beneficiaries are sure to receive your death benefit payout when you pass away after the waiting period. You will qualify for guaranteed issue burial insurance if you meet the age requirements of 50 to 85 years old.

Many life insurance companies offer guaranteed issue burial insurance for people with arthritis and those with severe medical conditions. The only difference between the companies is the amount of premium and the length of the waiting period.

Guaranteed issue life insurance has a graded period for a natural cause of death. You need to live for two years before your policy will pay 100% death benefit. After the two years is over, you got 100% protection for life.


Life insurance companies will look at your arthritis as a part of your overall health to determine the type of plan you will qualify for and the amount you will pay.

The good news about arthritis as a medical condition is that most sufferers in otherwise good health will be able to qualify for immediate coverage that has no waiting period. This is because arthritis does not pose an immediate threat to the individual’s life span and there are no severe medical complications associated with this condition.

We’re not saying that the insurance companies will completely ignore your condition. There are some cases when an applicant with severe arthritis with a disability can only qualify for guaranteed issue burial insurance, which means the premiums are going to be a bit expensive than immediate coverage.

Due to the potential for disability and mobility issues, some moderate to severe forms of arthritis can cause damage to some organs like the lungs or heart which affects the individual’s ability to breathe properly and may shorten the lifespan. In this case, you will be declined for traditional life insurance and your only option for coverage is a guaranteed issue whole life insurance.



There are six activities of daily living used by the life insurance companies to measure functionality and determine if you will be eligible for immediate coverage. You must be able to do these ADL on your own to prove that you can take care of yourself properly.

  1. Eating – the process of feeding yourself using a container like a cup, plate, utensils, feeding tube or intravenously.
  2. Bathing – your ability to get in and out of the bathtub or shower safely. Washing your whole body from a basin, a shower or bathtub, it also includes
  3. Dressing – taking off and putting an item of clothing. Putting on and taking off fasteners, braces, and prosthesis are also a part of dressing.
  4. Toileting – your ability to get on and off the toilet safely and performing necessary personal hygiene tasks.
  5. Transferring – the act of moving in or out of bed, a chair or a wheelchair. Includes getting in and out of vehicles.
  6. Continence – the ability to control your bladder and bowel functions. Continence also includes performing related personal hygiene tasks such as caring for a colostomy or catheter bag.

If you have a severe form of arthritis and it causes you to require help with any of the activities of daily living, it will be harder to find a company that will offer you immediate coverage with the lowest rate (although you will qualify for a guaranteed issue life insurance policy).

Every life insurance company asks about activities of daily living in their application. Needing help with ADL will significantly affect your life insurance eligibility.

Life insurance providers will react in one of two ways when they learn you need help with ADL’s:

  • They will automatically decline your application
  • They will offer a guaranteed issue burial insurance with no medical exam and health questions.

Your best life insurance option if you need help with ADL’s is to take a guaranteed issue life insurance. Most insurers have a GI policy that is priced well. It’s only about 15 to 30% more than a policy with immediate coverage. You will be approved if you are 50 to 85 years old and the plan is available in your state. Your inability to do the ADL will not matter with GI policy.


If you need a wheelchair for mobility but you can still do the activities of daily living independently, burial insurance companies will not hold your wheelchair use against you. You can qualify for an immediate coverage plan and you will pay the same amount as a healthy applicant. There will be no waiting period on your plan.

If you’re confined in a wheelchair because your arthritis is severe your life insurance options will be limited. If you cannot perform the activities of daily living and you are in a wheelchair, you will need to pay a bit more and have a waiting period.

If you die during the two-year waiting period, the company will refund all your premiums plus 10% interest to your beneficiary. You will not lose any money with this plan because no savings account will ever earn you 10% interest.


A level death benefit plan is the best burial insurance for arthritis. Here are the types of life insurance policies you should avoid:

Term lifePremiums increase after 5 years. Coverage ends after 80.
Pre-paid funeral plansExpensive
Universal lifeTied with stocks
No health questions policiesWith 2-year waiting period
Plans offering "teaser rates"$9.95 per unit plans or $1 buys $30,000 coverage
Over priced plansInsurance from TV and junk mail
Plans that accept mail-in paymentsRisky
Plans that accept Direct ExpressHigh lapse rate
Plans that accept Credit CardsHigh lapse rate


No. You are not required to take a medical exam to qualify for burial insurance. You don’t need to submit blood and urine samples either.

If you’re afraid of needles or hate to be poked, burial insurance is best for you. You will only need to answer a few health questions. Companies that ask health questions offer first-day coverage.

You can even choose a no-health questions policy if you like. But, we advised against it because the no-health questions policy comes with a two-year waiting period.

Here are the essential facts about no medical exam insurance:

1st Day CoverageYES
Lifetime CoverageYES
Rates NEVER IncreaseYES
Coverage NEVER DecreasesYES
Easy To Get ApprovedYES


Burial insurance policies contain knockout questions on the application. They will also conduct a prescription history check as a part of underwriting.

Don’t worry, burial insurance with arthritis has relaxed underwriting. Most burial insurance companies do not ask about arthritis in their health questionnaire.

Since the insurance company doesn’t ask about arthritis on the health question, the only way to have your application declined is if you answered yes to a different knockout question because of your other medical condition.

Most knockout questions revolved around heart attack, stroke, Alzheimer’s disease, and activities of daily living, and some of the prescription medications these conditions treated. Because arthritis in itself is not a knockout question, you can qualify for the best-priced policy.

It is important to understand that if a company does not ask about a particular health condition, it means they are accepting of it. If you have no other health issues aside from arthritis, you will qualify for a first-day coverage plan without a waiting period.

Instead of a medical exam, the insurance company will check your

  • Answer to health questions on the application
  • Medical history through the Medical Information Bureau
  • Medication history through Prescription database
  • Driving record through the Department of Motor Vehicle
  • Other companies may want to do a phone interview


Burial insurance companies will see that you are on arthritis medication during the prescription history check, but most don’t even care even if you are taking any of these drugs to treat your condition:

  • Leflunomide (Arava)
  • Azathioprine (Imuran)
  • Cyclosporine (Neoral )
  • hydroxychloroquine (Plaquenil)
  • Methotrexate (Trexall)
  • Minocycline (Minocin)
  • Rituximab (Rituxan)
  • Tofacitinib (Xeljanz)

You can be taking any of these drugs, but it will not affect your life insurance eligibility. Taking medication for arthritis won’t keep you from securing the best policy.

If you have arthritis when you apply for burial insurance and you’re taking any of these medications, the insurance company will see and understand that you are taking measures to control your condition. They will completely overlook arthritis prescription as long as the medication is relieving your symptoms and improving your joint function.

Do you have other health problems aside from arthritis? Check this table to learn your eligibility.

AFIB1st-day Coverage

CancerOver 2 years = First day coverage
Under 2 years = Hybrid coverage
Cholesterol1st-day Coverage
Congestive Heart FailureHybrid Coverage
COPDPossible 1st-day coverage if no oxygen or smoking
Dementia2-year wait only
Diabetes1st-day Coverage
Dialysis2-year wait only
Heart AttackOver 2 years = 1st-day coverage
Under 2 years - Hybrid coverage
Heart SurgeryOver 2 years = 1st-day coverage
Under 2 years - 2 year wait
High Blood Pressure1st-day Coverage
Hospice2-year wait
Liver DiseaseHybrid Coverage
Neuropathy1st-day Coverage
Nitroglycerin UseHybrid Coverage
Nursing home2-year wait only
StrokeOver 2 years = 1st day coverage
Under 2 years - Hybrid coverage
Terminal Illness2-year wait only
Oxygen UseHybrid coverage in no 24 hour oxygen use
Wheelchair UseHybrid Coverage


Now that you understand getting burial insurance with arthritis is easy let’s determine how much insurance coverage you need.

Your insurance needs vary depending on your personal need and financial circumstances. The amount should be sufficient to cover your final expenses so your family won’t have to worry about it when you’re gone.

Here are the steps to calculate your burial insurance needs:

1. Write your final wishes to get a better idea of how much your burial or cremation will cost. Your funeral and burial costs are often the biggest final expense your family needs to pay. Here’s the average cost of funeral and burial expenses from the National Funeral Directors Association.

Non-declinable basic$2,195
Removal/ transfer of remains to funeral home$350
Embalming & preparation of the body$1,005
Use of facilities for viewing & funeral ceremony$925
Service car/van$150
Basic memorial printed package$175
Metal casket$2,500
Median Cost of a Funeral With Viewing and Burial$9,135

If you choose to be buried when you pass away, use this table to estimate your burial cost. If you opt for cremation, use the table below to compute your cremation costs.

Non-declinable basic services fee$2,195
Removal/ transfer of remains to funeral home$350
Embalming & preparation of the body$1,005
Use of facilities for viewing & funeral ceremony$925
Service car/van$150
Basic memorial printed package$175
Cremation fee (if firm uses a third-party crematory)$350
Median Cost of a Funeral with Viewing and Cremation$5,150
Cremation Casket$1,200
Rental Casket$995
Alternate Cremation Container$150

Do online research or request a general price list from your nearest funeral home to determine the funeral, burial, or cremation cost in your area. Compute your burial or cremation costs.

2. Compute your other final expenses. Include your outstanding debts, credit card debt, medical bills, living expenses, legal costs, and other past due accounts on your computation.

3. Don’t forget to factor in the inflation in your computation. The average inflation rate is 2%, which means you lose 2% of your money’s worth due to inflation. If your burial insurance needs today cost $10,000, it’s wise to get at least $15,000 to cover inflation.

Do these three steps to determine how much coverage to buy.


There are different ways to pay your burial insurance premiums.

Savings AccountBest way to pay
Checking AccountBest way to pay
CashNot recommended
Money OrderNot recommended
Cashier's CheckNot recommended
Debit CardNot recommended
Credit CardNot recommended
Direct ExpressNot recommended

Using savings or checking account is the best method. We recommend you set a bank draft from your savings or checking account. That way, the bank will automatically pay your premium every month, and you will not worry about your insurance policy lapse due to non-payment.

You can also choose your mode of payment.

MonthlyRecommendedAll Companies
QuarterlyNot RecommendedSome Companies
Semi-annuallyNot RecommendedSome Companies
AnnuallyNot RecommendedSome Companies

We recommend you pay your premium monthly because it’s easier on the budget. You can also schedule your payment when you receive your retirement allowance.


Burial insurance policy riders add benefits to your plan. You can add policy riders to your plan to enhance your coverage to fit your specific needs. Some riders are built in the policy, while some riders come with some extra cost.

Here’s a list of common burial insurance riders:

Terminal Illness Add-On BenefitIncluded with most plans
Nursing Home Care Add-On BenefitIncluded with most plans

Terminal Illness Rider

The terminal illness rider allows you to access a part of your death benefit if you’re diagnosed with a terminal illness like cancer. A medical professional must certify that you have six months to one year to live to access this rider.

Nursing Home Rider

The nursing home rider lets you access you’re a portion of your death benefit while you’re still alive to pay for nursing home expenses. To access this rider, you must be residing in a nursing home and cannot perform at least two activities of daily living such as eating, bathing, toileting, dressing, transferring, or continence.

Accidental Death Rider

Accidental death rider is generally included in all plans. This rider increases your death benefit payout if you die from an accident.


Buying burial insurance today is the best way to get the best insurance rates. You will never be as young and healthier as you do today. Your premium will increase each year you postponed getting burial insurance. By buying burial insurance today, you will be able to lock in the price at your current age, and you will pay the same rate throughout your life.

You don’t need to lose weight before getting burial insurance with arthritis. We can help you qualify for the best rate even if you’re overweight.

You don’t need to quit smoking before you get burial insurance either. We work with some life insurance companies that offer the best rate for smokers.

YoungerLess Expensive
OlderMore Expensive
Healthier Less Expensive
Television AdsMore Expensive
Junk MailMore Expensive
No Health QuestionsMore Expensive
Funeral FundsLess Expensive

Today is the best time to get burial insurance with arthritis. Each year you procrastinate, you pay a higher premium.

And, the best tip to get the best insurance rates is to work with an independent life insurance agency like Funeral Funds.


When you reach to us regarding buying final expense insurance with arthritis, we will ask you some health questions to get a better idea of your current medical condition. These questions may include:

  1. When were you diagnosed with arthritis?
  2. What form of arthritis do you have?
  3. Name the parts of your body affected by your arthritis?
  4. How often do you experience flare-ups?
  5. Do you have deformity from your arthritis?
  6. Have you ever been hospitalized due to arthritis?
  7. What prescription medications are you taking to treat your arthritis?
  8. Do you live independently or do you need help with activities of daily living?
  9. Do you have a disability that causes you to use a wheelchair?
  10. What other medical conditions do you have?

Your answers to these health questions will help us determine the type of life insurance plan you will qualify for and how much life insurance companies will charge you.


Trying to find a policy with arthritis needn’t be a frustrating process; working with an independent agency like Funeral Funds will make the process easier and quicker.

If you have a health history of arthritis, let us help you; we will work with you side by side to find a plan that fits your needs.

We will work with you every step of the way to find the plan that fits your financial requirements and budget. You don’t have to waste your precious time anymore searching for multiple insurance companies because we will do the dirty work for you.

We will shop your case to different insurance carriers and get you the best price.

We work with many A+ rated insurance carriers that specialized in covering high-risk clients like you. We will search for all those companies to get the best rate. We will match you up with the best burial insurance company that gives the best rate.

We will assist you in securing the coverage you need at a rate you can afford. So, if you are looking for arthritis funeral insurance, or arthritis burial insurance, or arthritis life insurance, we can help.

Fill out our instant quote form or call us at (888) 862-9456 and we can give you accurate funeral insurance quotes.

Funeral Insurance, Final Expense Insurance, Burial Insurance With Arthritis Infographics


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