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ANKYLOSING SPONDYLITIS
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Ankylosing Spondylitis life insurance

It is common for people who are looking for ankylosing spondylitis life insurance to be put off applying for cover, usually because they think it’s too expensive, won’t pay, or because they simply don’t understand it.

In addition, many people give up after they speak to one or two life insurance companies and get refused the cover that would protect their families. This is because not all insurance companies treat ankylosing spondylitis the same, so the key is knowing who to speak to. Our team of experts is amongst the top in its field in the UK for people living with medical conditions like ankylosing spondylitis.

The estimated annual occurrence of ankylosing spondylitis in the UK is around 6.9 out of every 100,000 people, with approximately 2,300 new cases per year in England and Wales.

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Does life insurance payout for Ankylosing Spondylitis?

Yes – whilst ankylosing spondylitis isn’t usually a serious threat to your life, in more severe cases it could cause complications and possibly contribute to death. In this case, an ankylosing spondylitis life insurance policy should payout.

Life insurance policies are based on your personal health at the time you take out the cover. It will therefore include any pre-existing medical conditions such as ankylosing spondylitis.

This also means that life cover is cheaper the earlier you take it out, as you’ll be younger and in better health than later in life.

Does critical illness cover payout for Ankylosing Spondylitis?

Ankylosing spondylitis is not generally considered to be a critical illness, and so if you take out critical illness cover and then get diagnosed with ankylosing spondylitis then it won’t trigger a payout by itself.

That being said, several conditions are linked to ankylosing spondylitis which, if left untreated, can cause further complications, and may lead to a payout depending on your cover. Check your policy documents to see exactly what’s covered.

Some complications of ankylosing spondylitis include:

Some of the main reasons why people take out a critical illness cover policy, are to pay for certain events such as:

  • Loss of income
  • Treatment and medications
  • Pay bills and outgoings

Your critical illness cover policy is designed to provide you with a lump sum payment in the event that you are diagnosed with a serious illness. These benefits are paid out in a single sum that can be used whichever way suits you best.

Will income protection payout for Ankylosing Spondylitis?

Income protection is usually designed to pay out for 12 or 24 months to cover your salary while you’re unable to work.

If you suffer any issues relating to your ankylosing spondylitis which causes you to need time off work long term, then your claim should be paid. There are numerous reasons why ankylosing spondylitis can cause time off work, as long as your doctor has signed you off then you will receive payment.

Some of the main reasons you might need to claim on income protection cover with ankylosing spondylitis are:

  • Back pain and stiffness
  • Arthritis
  • Fatigue
  • Painful inflammation (Enthesitis)

Where symptoms are more severe and result in prolonged periods of time out of work, you should receive payment.

Getting life insurance with Ankylosing Spondylitis

Over the last 20 years, we have helped thousands of families to get the right financial protection by finding life insurance with all types of health conditions.

There’s no better way to protect your family’s financial future and often premiums can be lower than you might think. Don’t be put off taking out ankylosing spondylitis life insurance because of your medical history; there are people who can help.

Can I get life insurance with Ankylosing Spondylitis?

It is definitely possible to get ankylosing spondylitis life insurance, and it can often be cheaper than you think. Some companies are far better than others with this type of medical condition and so you can save substantial amounts of money.

There are several points that will be considered when you apply for life insurance with ankylosing spondylitis. We’ll help to answer some of the main questions that you might have and explain how it all works.

Premiums for life insurance with any pre-existing medical condition will be based on:

  • Lifestyle
  • Symptoms
  • Treatment
  • Health
  • Age

Some insurance providers will naturally offer cheaper premiums for certain medical conditions than others. It’s possible to avoid paying a higher premium as our experts will find the best insurer for you and provide you with the cheapest quotes.

Will I need a medical to get Ankylosing Spondylitis life insurance?

You will need to disclose that you have ankylosing spondylitis on your life insurance application, and normally the insurers will ask to view your GP report.

This is standard practice, however, and is often beneficial as it guarantees the validity of your policy. You shouldn’t worry about being asked to provide additional medical evidence as this is normal.

There are several different types of medical evidence:

  • Nurse screening (blood tests etc.)
  • Medical evidence (GP report)
  • Targeted medical report (specific GP information)

You do not need to do anything, and it won’t cost you any extra for the insurer to access these records – they do this at their own expense.

Medical questions for Ankylosing Spondylitis life insurance

When applying for ankylosing spondylitis life insurance, there will be some questions that the insurer needs you to answer. They will want to know things like:

  • When you were diagnosed
  • What symptoms you have
  • What medication or treatment you’ve had (if any)
  • Any surgery you’re awaiting or had in the past
  • How severe your condition is

It’s best to provide as much information as you can and be as accurate as possible to ensure that you get the right rates.

Cheaper life insurance with Ankylosing Spondylitis

It is possible to get cheaper life insurance premiums by following a few simple steps and even by applying to the right companies.

Most insurance companies don’t have the expertise or experience to give the best advice to people with medical conditions such as ankylosing spondylitis. There are several reasons why your premiums could be lower, such as:

  • Lifestyle: you can make certain changes to your lifestyle which might have a positive impact on your premiums, including diet, exercise, and mental wellbeing
  • Medications and treatments: your treatment can have an impact on your premiums so applying for life cover at the optimum time could help reduce your premiums. Often immediately after an event or during more severe periods can be more difficult
  • Providers and insurers: certain insurers are better than others when it comes to underwriting different types of health conditions. An expert like us can help you to find that company and save you money

Medical conditions linked to Ankylosing Spondylitis

There are numerous conditions that can be linked to Ankylosing Spondylitis as well as several conditions that it can lead to.

Common questions about Ankylosing Spondylitis

Here are a few of the most common questions about Ankylosing Spondylitis and living with the condition.

What is the life expectancy of someone with ankylosing spondylitis?

Life expectancy for people with ankylosing spondylitis isn’t usually any different from the rest of the population, so you can live a long and healthy life with the condition. The only exceptions are the most severe cases or those with serious complications.

What organs can ankylosing spondylitis affect?

Other than the characteristic inflammation of the spine and sacroiliac joints, ankylosing spondylitis can also affect the following organs and joints:

  • Kidneys
  • Lungs
  • Eyes
  • Heart
  • Knees
  • Hips
  • Ankles
  • Shoulders

What does ankylosing spondylitis pain feel like?

The feeling of ankylosing spondylitis has been described as a dull, ongoing pain originating in the lower back or buttocks. It is fairly common for the symptoms to get better and then get worse again at regular intervals, and most people suffering from the condition get morning stiffness.

Useful resources

Here are a few useful links for people living with Ankylosing Spondylitis or looking for more information about it:

NHS – Ankylosing Spondylitis

NASS – Charity

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