Ankylosing Spondylitis Life Insurance

We are a leading insurance specialist for people who have been diagnosed with pre-existing medical conditions such as ankylosing spondylitis and help those who are looking for ankylosing spondylitis life cover, critical illness cover and income protection. If you have been diagnosed with ankylosing spondylitis and you need life insurance to protect your family, home or business then you should speak to The Insurance Surgery. Our team of expert advisers has helped thousands of people looking for the right cover to protect their families, including ankylosing spondylitis life cover.

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How ankylosing spondylitis life cover works:

For anyone who has been diagnosed with ankylosing spondylitis looking for life insurance, critical illness cover or income protection, underwriters will need require additional information about your condition and health:

Date of diagnosis
Symptoms
Treatment / medication
Any planned surgery
Severity of condition

Speak to our expert advisers to find out how we can help you to find your ankylosing spondylitis life cover to protect your loved ones. We have helped thousands of people with pre-existing medical conditions such as ankylosing spondylitis to get cover and save money.

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Ankylosing Spondylitis Life Cover

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 cover:

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 applications are 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 cover 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 cover 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.

Ankylosing Spondylitis Critical Illness Cover

Critical illness cover for someone suffering from ankylosing spondylitis will almost always be subject to providing underwriters with access to view your medical records.

Some insurers may alternatively request for you to complete a medical screening which are both designed to enable insurers to assess the overall state of your health as well as anything relating to your ankylosing spondylitis.

Fortunately ankylosing spondylitis is one of the pre-existing medical conditions where critical illness cover is available and terms can vary from standard rates with no exclusions in very well controlled cases with no other issues, all the way up to increased premiums with exclusions or even to decline in more severe cases.

Quite often where we are dealing with applications for ankylosing spondylitis critical illness cover we will see at least some loading or premium increase and in some cases there will be exclusions for anything relating to your condition. ankylosing spondylitis is a chronic and progressive condition and therefore underwriters will take this in to account when assessing any application for ankylosing spondylitis critical illness cover.

Ankylosing Spondylitis Income Protection

If you have been diagnosed with ankylosing spondylitis and you are looking for income protection, you may find it difficult to get cover from most high street insurance providers. This is due to the increased risks of claim from mobility related issues and other problems which are likely to cause you to require time off from work.

It is possible to get ankylosing spondylitis income protection from some non-high street or specialist insurance providers if the condition is not described as severe and no medication is currently being taken. If you are offered ankylosing spondylitis income protection you may find that there are restrictions imposed such as the length of deferment period which can be offered from 13 weeks or claims relating to your condition.

Frequently Asked Questions

We answer your most frequently asked questions.

What if I already have life insurance and have ankylosing spondylitis?

If you have got life insurance prior to being diagnosed with ankylosing spondylitis then you should consider keeping that cover if there is a genuine value to it and a period of time remaining on the term.

You may be able to look at a top up ankylosing spondylitis life cover policy which can be used for additional family protection or mortgage protection if your existing policy is insufficient.

Which insurers are best for ankylosing spondylitis life insurance, critical illness cover or income protection?

Insurance underwriting for ankylosing spondylitis and all other conditions is regularly altered and improved by all insurers and therefore it will depend on what is available at the time of your application.

A specialist insurance broker such as The Insurance Surgery will know which underwriters are best for each condition and variations or severities of each condition so should be able to point you in the right direction.

What if I have been declined for ankylosing spondylitis life insurance previously?

If you have applied for cover in the past and been declined life insurance because of your ankylosing spondylitis then you should speak to an expert or specialist.

It may be that the previous insurance broker who dealt with your application for ankylosing spondylitis life insurance was not experienced enough in dealing with specific medical conditions such as ankylosing spondylitis to know which insurers are best.

Useful Links

If you are looking for ankylosing spondylitis life cover, critical illness cover or income protection, contact our team of experts at The Insurance Surgery to see what we can do to help you protect your loved and save you money.

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Click the links below to find out more:

Ankylosing Spondylitis Life Insurance