Ankylosing Spondylitis Life Insurance
At Your Life Protected, we specialise in finding Life Insurance for people who have pre-existing medical conditions, such as Ankylosing Spondylitis.
Securing Life Insurance with Ankylosing Spondylitis
If you have Ankylosing Spondylitis, you may have experienced difficulties securing Life Insurance, or noticed an increase in your premiums because of the condition. Many insurers will impose special terms or even decline cover due to a diagnosis of Ankylosing Spondylitis, speaking with an expert will ensure you obtain the best available Life Insurance premiums.
There are a number of additional questions we will need to ask you during your application process to gain a full picture of your condition and general health.
These questions will include:
- The date you were diagnosed with Ankylosing Spondylitis
- The frequency and Severity or your symptoms
- If you have experienced any complications e.g. Breathing Problems, Organ Damage, Painful Red Eyes etc…
- Information about any medication you have previously / are currently receiving
- Whether you have any surgery planned
- Details of any other conditions – related or unrelated – e.g. Cardiovascular disease, Arthritis, Diabetes.
Having the answers to these questions will allow the insurers to take your personal circumstances into account and provide a tailored, accurate quotation.
What Impact will the condition have on my Premiums?
The impact on Life Insurance premiums with Ankylosing Spondylitis will very much depend on the severity of the condition, along with the types of medication you take. Often, Life Insurance can often be offered to people with Ankylosing Spondylitis and as long as the condition is well managed and no surgery is planned, there may be only a minimal adjustment to the premium. However, each case is very different and terms can vary drastically from one case to the next, it’s important to get a quote in order to understand what your personal premiums will look like.
Our experts have a wealth of knowledge surrounding underwriting rules and experience securing Life Insurance for people with Ankylosing Spondylitis. If you have Ankylosing Spondylitis and would like to get a quote for Life Insurance or Critical Illness cover, call us on 01275 404 268 or fill in our Quote Request form today.
- Does Ankylosing Spondylitis affect Life Insurance?
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Life Insurance companies will always assess the severity of your Ankylosing Spondylitis during an application. The impact the condition has on your life, the type of medication you use, and any associated complications will all be factored in during the underwriting process. For individuals with mild cases of Ankylosing Spondylitis, it’s rare to see a change in the price, though people with more severe cases may well see an increase in their monthly premiums.
- Will I get Critical Illness Cover with Ankylosing Spondylitis?
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Critical Illness Cover is certainly more difficult to obtain if you have a diagnosis of Ankylosing Spondylitis. If your condition is severe or you take certain medications, many insurance providers may refuse cover altogether. Though, as with most insurance types, there are usually companies who offer a more lenient underwriting approach to Ankylosing Spondylitis and cover should be available. To see what options are available, speak with one of our advisers.
- How much will my Life Insurance premium increase with Ankylosing Spondylitis?
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This will very much depend on the severity of your condition, and whether you’ve experienced any complications. Some clients may see a 25% increase in their monthly premiums, whereas others see their price increase by 200%. Every situation is different, so it’s always worth speaking with an expert to see which provider can off you the best terms.
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