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Cervical spondylosis life insurance

You may be concerned if you have a medical condition like cervical spondylosis (also known as cervical spondylitis), that life insurance simply won’t be available for you. Don’t worry this shouldn’t be the case and our experts can advise you on the best insurers to approach for your cover.

Cervical spondylosis (also referred to as cervical osteoarthritis) can have a significant impact on your daily life, with the bones, discs and joints in your neck being affected. With symptoms of cervical spondylosis including (often daily) neck pain, stiffness and headaches, it is understandable to worry a condition like this might make insurers wary of offering cover.

With the advice of an experienced insurance expert, you should still be able to get the life cover you want and need to protect your home and family.

With over 20 years of experience in pre-existing conditions life insurance, we know exactly which insurers to speak to in this situation. In fact, we’re proud to be rated #1 in the UK for life insurance with pre-existing conditions, dangerous hobbies and high-risk occupations.

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YES – if you are diagnosed with cervical spondylosis any existing life insurance policy you have should still cover you. You should also be able to get a new policy, though how easy this will be will depend on the severity of your symptoms.

If you have more severe symptoms or complications (e.g. serious spinal cord damage), it can be trickier to find the right insurance company that are understanding of your condition. Our helpful insurance specialists will be able to assist you in assessing how much cover you need and which insurers will be your best option.

Does life insurance pay out for cervical spondylosis?

YES – If you were to die for any reason (including anything related to your cervical spondylosis) your policy will pay out a cash lump sum to your loved ones. This is because pre-existing conditions should always be covered.

The only reason this would not happen is if you misled the insurer (e.g. had cervical spondylosis when you applied but didn’t disclose this on your application). It is always best to be as honest as possible when applying for life insurance, to make sure your cover is valid.

How does cervical spondylosis life insurance work?

When applying for life insurance, the insurer you choose will always want to know information about your health and lifestyle. This helps them to assess things like pricing and which type of cover will work best for you.

You will always be asked questions about things like your age, height, weight and smoker status. If you have cervical spondylosis, you will also be asked about:

  • How long you have had this condition (when were you diagnosed?)
  • Do you take any medications to treat your symptoms? e.g. muscle relaxants
  • How severe your symptoms are (how much impact do they have on your daily activities?)
  • Are you able to work?
  • Have you had any surgeries or hospital treatments (physiotherapy) related to cervical spondylosis?
  • Do you have any other medical conditions?

In some cases, you may need to provide further medical information in the form of a GP report. This is just to help the insurer be certain they have the full picture of your health and shouldn’t automatically make it more likely your cover will be declined.

YES – People with cervical spondylosis will still be able to get life insurance cover in most cases. You might even find you can get cover at standard terms and very fair pricing if your symptom are mild and you only need minimal medications/treatments.

If you were to be declined, it may just be that another insurer is a better choice for you based on your medical history.

Life insurance is a great way to provide your family with a financial safety net, to support them in the event you were to pass away. The pay out from your policy can be used to pay for things such as:

  • Funeral expenses
  • Household bills (utilities)
  • Mortgage or rent payments
  • Repaying debts
  • School fees
  • And more..

Can I get critical illness cover with cervical spondylosis?

YES – it can be possible to get critical illness cover with cervical spondylosis. However, some insurers will be a better choice than others for this type of policy.

This is because every insurer will have different processes for underwriting and will view medical conditions differently as well. Simply put, some insurers will be far more likely to offer critical illness cover to people with cervical spondylosis than others.

You may need to provide a medical report from your GP, so the insurance company can assess how serious your symptoms are and the impact on your daily life. Don’t worry this will not be something you need to arrange as they will be able to sort this out for you.

Critical illness insurance can provide you with a tax-free cash lump sum, if you are diagnosed with a serious medical condition that is covered by your policy. You can use this money to cover expenses such as:

  • Paying mortgage or rent payments

  • Cost of living for a period of time

  • Adjustments to the home

  • Treatment to help your condition

How much does cervical spondylosis life insurance cost?

The cost of any life insurance policy will vary depending on the person applying. Insurance companies will consider medical conditions when deciding on price, but you may find cover is more affordable than you were expecting.

Insurance providers will look at:

  • Your age, height and weight
  • Your lifestyle (are you active?)
  • Severity of your symptoms
  • If you have one or more medical conditions

Other factors that will affect the price of your policy include:

  • The type of life insurance you want (whole of life, level term cover, decreasing term cover)
  • The insurance provider you have applied to
  • The amount of cover you want (£s)

Some insurers are better than other when it comes to people with medical conditions like cervical spondylosis. It is worth looking at the policies on offer from a few, to make sure you are getting the best deal.

The best way to save on cervical spondylosis life insurance will be to compare policies across multiple insurance providers. This will help you to be certain you are getting the cover you need for the lowest available price.

Medical conditions linked to cervical spondylosis

Cervical spondylosis is a form of osteoarthritis, usually caused due to aging and general ‘wear and tear’ to your muscle and bones. The discs in your neck will wear down and you may develop herniated disks or bone spurs. Most people with cervical spondylitis will be aged 50 or older.

Some people with this condition will have milder symptoms than others, but many people will experience chronic neck pain and stiffness.

Cervical spondylosis symptoms include:

  • Neck and shoulder pain
  • Neck and shoulder stiffness
  • Recurring headaches (often beginning at the back of the neck)

Complications can include:

  • Loss of bowel and bladder control
  • Heaviness and weakness in arms and legs
  • Problems with walking and coordination

There are also various medical conditions that can be linked to cervical spondylosis such as:

What is cervical spondylosis?Cervical spondylosis is a condition that causes neck pain, most commonly in people over the age of 50.
What is the main cause of cervical spondylosis?Getting older is the main cause of cervical spondylosis as the disks in the spine get damaged over time.

You can be at higher risk of the condition if:

Your job involves repetitive neck movements
You have had a neck injury in the past
If someone a close relative has the condition (family history)
What are the symptoms of cervical spondylosis?Symptoms of cervical spondylosis:

Neck and shoulder pain
Muscle stiffness
Headaches (begin at the back of the head)

When you have medical conditions, it can make it a little more complicated to find the cover you need at a reasonable price. This is exactly when our insurance specialists can be the most help, comparing available policies to make sure you never pay too much for the cover you need.

Our experts are proud to offer FREE, FRIENDLY advice with customer service being our top priority. If you don’t believe us, check out our page on Feefo. We’re rated 5.0 out of 5.0 stars with over 1,000 independent customer reviews. We even recently received the Feefo Platinum Trusted Service Award 2023 for exceptional customer reviews over the last 3 years.


NHS – Cervical Spondylosis

NHS Inform – Cervical Spondylosis

WebMD – Cervical Osteoarthritis (Cervical Spondylosis)

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