Anyone who has been diagnosed with ankylosing spondylitis looking for life insurance will be required to provide certain information about their condition to underwriters for them to be able to accurately assess the application.
Information required for ankylosing spondylitis life insurance:
- Severity and regularity of symptoms
- Type of medication and dosage
- Any treatment and/or surgery
- Details of any other related or non-related conditions (e.g. Anaemia, Cardiovascular Disease, Arthritis etc.)
Life insurance for ankylosing spondylitis can often be offered and terms can vary from the insurers standard rates with no additional loadings up to high loadings or even decline in more severe cases. Our experience of dealing with ankylosing spondylitis life insurance applications is varied and most insurance providers can be favourable where there is no major surgery and the condition is well controlled.
In most applications we see for ankylosing spondylitis life insurance there has been at least a requirement for underwriters to either view a copy of your medical records or for medical interview to be completed. Insurance providers will want to take a view on your overall state of health as well as the severity of your ankylosing spondylitis to be able to offer you life insurance at the appropriate rate.
If you have applied for ankylosing spondylitis life insurance in the past and been offered cover with special terms imposed or even if you have been declined, then you should contact one of our experts. The Insurance Surgery specialises in pre-existing medical conditions life insurance such as ankylosing spondylitis and other chronic conditions.