Hi everyone, we are talking about arthritis in our latest episode and taking a closer look at rheumatoid arthritis. When it comes to protection insurance rheumatoid arthritis is going to come up in the application questions at some point. Rheumatoid arthritis and the treatment for it can affect a lot of areas in the body and it’s a condition that tends to get worse over time, so insurers usually want to know about it.

You are far more likely to be diagnosed with rheumatoid arthritis if you are a woman and if you are over 40. But that doesn’t mean that you can’t get it when you are young or if you are a man. When it comes to protection insurance it’s quite likely that the insurer will ask to see a report from the applicants GP, to make sure that they fully understand how the condition is affecting them.

The key takeaways:

• Rheumatoid arthritis is an autoimmune disease which means the body is attacking itself.
• The way different medication types can quickly change underwriting indications. 
• Two case studies of arranging protection insurance for people with rheumatoid arthritis.

Next time I will be back with a spotlight on Shareholder Protection, what it is, how to advise on it and some of the times when things can go very wrong. 

Remember, if you are listening to this as part of your work, you can claim a CPD certificate on our website, thanks to our sponsors Octo Members.

If you want to know more about how to arrange protection insurance, take a look at my 13 hour CPD Protection Insurance in Practice course here and 1 hour CPD Protection Competency Exam here.