Are you looking for ankylosing spondylitis life insurance? Have you recently been diagnosed or do you have a medical history of ankylosing spondylitis? At iLi, we specialise in helping people with long-term medical conditions like ankylosing spondylitis to find cover that protects them and their families. Our unique comparison service and network of approved impaired insurance specialists can help you locate the best insurance policy at the right price.
Ankylosing spondylitis is a long-term arthritic condition in which the spine becomes inflamed. This inflammation can then spread to other parts of the body. The condition is more common in men than in women, and tends to first develop when a sufferer is in adolescence. Symptoms include stiffness in the joints and back pain, swelling in the back and other parts of the body, and fatigue. These symptoms may flare up from time to time, depending on the severity of the condition. For some people, their ankylosing spondylitis improves over time, while for others, the condition worsens.
It is believed that a link to the gene HLA-B27 is thought to cause ankylosing spondylitis, although the exact cause is unknown. There is currently no cure for ankylosing spondylitis, but treatment can help relieve symptoms. Successful treatments include exercises to reduce pain, physiotherapy and anti-inflammatory medications.
In some people, ankylosing spondylitis can get worse over time, and lead to disability, osteoporosis, chest infections, cardiovascular disease and kidney disease. When it comes to finding ankylosing spondylitis life insurance, some insurers may be cautious about applications and will request details about the severity of your condition.
It can feel overwhelming to try and find the right ankylosing spondylitis life insurance cover for your needs, especially if your condition is worsening over time. As ankylosing spondylitis is considered to be a long-term medical condition, some insurers might be cautious about accepting applications. All insurers have to underwrite applications they receive from customers looking for ankylosing spondylitis life insurance, and need to assess their level of risk. If you have suffered permanent disability or any other kind of health complication as a result of ankylosing spondylitis, it may be more challenging to find an insurer that meets your needs. With iLi, you can find the right insurer for your personal circumstances.
Ankylosing spondylitis is considered by insurers to be a long-term medical condition (like asthma or diabetes). As you have a long-term condition, you should expect to pay higher premiums than a person with no health conditions at all. That said, if you rarely have symptoms and they do not have a severe impact on your day to day life, the increase could be minimal. This will however depend on the severity of your ankylosing spondylitis, the medications and treatment you are undertaking, and the overall level of risk you pose to an insurer.
Prices from insurers will vary, which is why iLi is the right place to find the best impaired ankylosing spondylitis life insurance specialist.
You may find that a loading fee is applied to your policy. This is an increase on the price you pay as a premium, depending on your level of risk to an insurer. For instance, if your condition is severe, you have suffered from cardiovascular disease, kidney disease or disability from a fusion of the spine, an insurance company may take the view that there is a great likelihood of you making a claim in future. A loading fee may therefore be applied to cover this risk.
At iLi, our specialist impaired life insurance partners and comparison service can help you find the right FCA-regulated life insurer that suits your needs, helping you to compare prices and find the best deal. It’s quick and easy to get your quote.
iLi works with many of the UK’s leading ankylosing spondylitis life insurance providers. With our panel of FCA registered impaired life insurance specialists, you can receive quotes from more than one ankylosing spondylitis life insurance broker. Just submit your details through one of our quick and easy online forms to receive quotes and be specially matched against the UK’s leading FCAregulated insurance providers. This should help you to find:
– The best price for your ankylosing spondylitis life insurance needs
– The right amount of cover to ensure that your property and loved ones are protected
– An insurer that has a detailed knowledge and compassionate understanding of your condition
Critical illness cover for ankylosing spondylitis sufferers
As with applications for life insurance, if you are looking for critical illness cover and you have ankylosing spondylitis, whether or not your application is successful will depend on your overall health, how severe you condition is, how frequently you experience flare-ups, and whether your ankylosing spondylitis has been linked to any other underlying medical conditions (such as cardiovascular disease). Many insurers will request further details from your GP for clarification. If you have mild ankylosing spondylitis symptoms, you could be offered cover for critical illness on a standard rate, or with a small premium loading.
iLi’s policy comparison service can help you find the right cover, taking the hassle out of the application process. Every application is assessed differently, so fill in our simple form to get matched with a quote from the right approved and vetted insurer today.
For more information, help and support about living with ankylosing spondylitis, visit the following links:
At iLi, we like to save you money and make the purchasing of life insurance as quick and simple as possible. If you have an impairment like ankylosing spondylitis, it can feel overwhelming to know where to find the best price and insurer for your circumstances. Fill in our easy 30-second form with your details to be referred to our specialist impaired life insurance partners for ankylosing spondylitis life insurance. Our free service can help you find the cover you need at the best price.