Brutally Honest Guide to Burial Insurance with Arthritis

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For seniors, or anyone for that matter, arthritis is no fun, and this is why we exist to make sure that you receive a top-notch, low-cost final expense insurance company to insure you.

Thankfully, arthritis will not hinder the process of getting affordable insurance that fits your needs.

With decades of experience, we are confident that we can help you establish a plan for handling your final expense, even with arthritis. And it has never been easier.

We offer a simple phone interview process to remove any worry about writing, which may not be an easy task.

In our phone interview, which is handled via the voice signature application, we ask a few questions regarding your situation to properly assess which insurance company will be the best fit for you.

We have had countless clients refer their friends after their positive experience with us, so let us help you get the right policy you need!

Arthritis and Burial Insurance

Typically, it can be challenging to find burial insurance with a serious health condition. Conditions such as heart disease or cancer could cause an insurance company to decline final expense insurance benefits, but not arthritis.

Qualifying for immediate, full-coverage death benefits will be no problem with an arthritis diagnosis with any company.

And since there are no requirements for medical exams or physicals, complete approval can be granted in a matter of minutes after the successful completion of a medical questionnaire.

Arthritis can restrict your ability to live within a regular, daily routine, but it will not limit your capability to secure burial insurance.

Assuming arthritis is the only health condition you have, in obtaining it, it’s as if the arthritis is nonexistent!

So, considering how burial insurance companies view an arthritis diagnosis, you can expect coverage at the lowest possible rate.

Arthritis and the Underwriting Process

Remember how we said earlier that arthritis would not cause a burial insurance company to deny your coverage? That is because no insurance company will include it on the health questionnaire in the underwriting process.

So, if this is your only pre-existing condition, there will be no issues with securing your coverage.

It is just like you never had to deal with the underwriting at all!

What Are the Types of Arthritis that are Deemed Okay by the Insurance Companies?

  • Rheumatoid arthritis
  • Septic arthritis
  • Gout
  • Osteoarthritis
  • Psoriatic arthritis

With any of these, any final expense insurance company will offer you coverage. At, not only do we work with the best insurance companies, we can help you find the most desirable final expense coverage with one of them.

Arthritis and Medications

Just like arthritis, medications will not hinder the process of underwriting burial insurance. None of the medicines used to treat arthritis will be an issue.

Common arthritis medications that cause no problem at all:

  • Azathioprine
  • Azasan
  • Azulfidine
  • Celebrex
  • Hydroxychloroquine
  • Imuran
  • Methotrexate
  • Plaquenil
  • Rituxan

Assuming arthritis is your only pre-existing condition, this process will be a breeze

Arthritis and Potential Complications

So here is where it is beneficial to speak with a final expense insurance specialist with our experience level. There are some scenarios in which a plan would be more complicated.


We understand that sometimes arthritis can be so debilitating that a wheelchair may be necessary.

Though the need to use a wheelchair does reduce the number of insurance companies available to you, they do not entirely rule out the possibility of having burial insurance.

Insurance plans from other companies will cost more and include a twenty-four-month wait. Since we represent many acclaimed burial insurance companies, wheelchair use due to arthritis is okay with them.

Activities of Daily Living (ADLs) and Denial of Coverage for Arthritis

Should you discover that you require a home healthcare assistant’s help with day-to-day activities, your insurance options will be limited further. Insurance companies define ADLs as being any of the below activities:

  • Dressing
  • Bathing
  • Using the restroom 
  • Taking medication
  • Eating

If arthritis, or any other pre-existing condition, causes you to need assistance with any of the above-listed activities, immediately getting inexpensive final expense insurance coverage will be considerably more difficult.

The only available insurance company that will cover you will be Royal Neighbors of America.

Royal Neighbors of America is the only company that is okay with someone accepting help with ADLs.

If you do not qualify due to other pre-existing conditions, your last option will be to go to Gerber Life for a guaranteed issue life policy.

These plans have no medical questionnaires or checks, but they do come with a waiting period of twenty-four months.

Gerber Life would refund your premiums plus 10 percent if you were to pass away during this time. Once the two years are complete, the policy would protect you like any other comparable: in full, for life.

Of course, the Gerber Life scenario is considered the final option and not for you if you are only dealing with arthritis

Just because you have other conditions, you may still qualify for a simplified plan, but it may be a close call. Please call us to assist you and your situation better, as we are delighted to help you find the best insurance company.

Arthritis and Affordable Burial Insurance

As you have read up to this point, we have repeatedly mentioned that we will have no problem finding an insurance company for you. All you have to do now is call, and we can get you the most suitable deal for your situation.

With over 35 years of experience our team of final expense insurance specialists have the passion for insuring anyone with arthritis with the best available burial insurance policy and additional features at no extra cost.

About Al Kushner
Al Kushner
He is a recognized financial educator, best-selling author, speaker, underwriting specialist and the founder & CEO of Superior Mutual, an independent insurance agency. He has helped families and individuals preserve, protect, and pass on a legacy since 1986. His mission is helping hard working seniors keep more of what they have worked a lifetime to save.

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