Life Insurance

If you have been diagnosed with Ankylosing Spondylitis and are look looking for life insurance, underwriters will require additional information about your condition and health:

  1. Date of Diagnosis
  2. Symptoms
  3. Treatment / Medication
  4. Any planned surgery
  5. Severity of conditions

Life insurance for ankylosing spondylitis may be available with varying terms, ranging from standard rates with no additional charges to potential high loadings or even denial in severe cases. Our interactions with ankylosing spondylitis cases vary, and many insurance companies are supportive when there is no need for significant surgery and the condition is managed effectively.

In many instances where ankylosing spondylitis life cover is needed, underwriters typically request to review your medical records or conduct a medical interview. Insurance providers will assess your health and the severity of your ankylosing spondylitis to determine the appropriate life insurance rate.

Critical Illness

Obtaining critical illness cover for someone with Ankylosing Spondylitis typically requires allowing underwriters to review your medical records.

Some insurers may ask you to complete a medical screening to assess your health and condition.

Ankylosing spondylitis is one of the pre-existing medical conditions for which critical illness cover is available. Terms vary depending on the severity and control of the condition, ranging from standard rates with no exclusions to increased premiums with exclusions or even a decline in more severe cases.

In cases involving applications for critical illness cover for ankylosing spondylitis, it is common to experience a premium increase or exclusions related to the condition. Ankylosing spondylitis is considered a chronic and progressive condition, so underwriters will consider this when evaluating applications for critical illness cover related to ankylosing spondylitis.

Income Protection

Individuals diagnosed with ankylosing spondylitis may encounter challenges in obtaining income protection from mainstream insurance providers. This is because of the higher chances of claims due to mobility issues and other factors that may result in you needing time off work.

It is possible to obtain income protection for ankylosing spondylitis from certain specialized insurance providers, as long as the condition is not deemed severe and no medication is being used. When considering ankylosing spondylitis income protection, be aware of potential restrictions like deferment period length of 13 weeks and condition-related claims.