Life Insurance With Ankylosing Spondylitis

Written by Jason Fisher

Life Insurance With Ankylosing Spondylitis

Let us help you find the life insurance coverage you need.

Have you been having any difficulty finding the cheapest life insurance with ankylosing spondylitis?

Chances are, we can help you get the policy you need. Ankylosing spondylitis, under the right conditions, is not a major limiting health concern when it comes to buying a life insurance policy. There are also life insurance with COPD policies available should this be something you are in need of.

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The best way to secure life insurance with ankylosing spondylitis is to use an independent agency, like ours, who is familiar with the ins and outs of high risk life insurance. Independent means we have the ability to shop your rate on your behalf among all the major life insurance carriers.

So whether you’re needing a small amount of coverage or a 1 million dollar insurance policy; we can help.

Life Insurance With Ankylosing Spondylitis

When you buy life insurance, your age and your health are the two main factors in determining what level of risk you may be to the insurance company. Finding life insurance with ankylosing spondylitis means going through underwriting which is very similar to that of arthritis, but more specific. Because ankylosing spondylitis is more specific, you’ll want to know ahead of time what an underwriter will be looking for before approving you at the top rate class.

To grasp its affect on life insurance rates, let’s first look into what it is, and how it poses a risk to the carrier. According to the Spondylitis Association of America:

Ankylosing spondylitis (pronounced ank-kih-low-sing spon-dill-eye-tiss), or AS, is a form of arthritis that primarily affects the spine, although other joints can become involved. It causes inflammation of the spinal joints (vertebrae) that can lead to severe, chronic pain and discomfort. In the most advanced cases (but not in all cases), this inflammation can lead to new bone formation on the spine, causing the spine to fuse in a fixed, immobile position, sometimes creating a forward-stooped posture. This forward curvature of the spine is called kyphosis.

In the early stages, AS may not be much of a limiting factor for life insurance. In fact, those who are diagnosed with ankylosing spondylitis who have little to no signs and symptoms are eligible for Standard or better ratings. You won’t be eligible for any of the discounted rates, but you won’t pay extra either.

For those with mild to moderate symptoms, you can still buy life insurance but you will have higher premiums. These mild Sub-Standard approvals are reserved for those who have small complications with pain, inflammation, slight posture changes, joint deformities or other symptoms.

In the worst-case scenario, you could be declined for life insurance with ankylosing spondylitis when you can no longer perform daily activities without struggle. If you can still perform all your daily tasks but treatment and medications are heavy, you could still obtain a low Sub-Standard rating.

What Carriers Look For When Applying

There are a few factors an underwriter will want to know immediately to begin getting an idea of your particular case. Life insurance with ankylosing spondylitis is heavily dependent on severity, symptoms and medications (or treatment). These are the details you’ll need to provide:

  • Date of Diagnosis
  • Age at Diagnosis
  • Location (spine, shoulders, hips, pelvis, etc.)
  • Symptoms (pain, inflammation, posture, etc.)
  • Medications
  • Treatments
  • Surgeries
  • Limitations (work, driving, mobility)
  • Therapeutic Regimens

Dates definitely matter as AS is a progressive and chronic disease, and the longer a person has had it, the higher the risk of complications is. These complications are the single greatest trigger to declined cases, so obtaining cheap life insurance with ankylosing spondylitis means buying sooner than later.

If you have any other health condition outside of the ankylosing spondylitis, you’ll have to consider those factors as well. Your full medical profile is considered, as well as your driver’s record, criminal record and current medical requirements (blood and urine testing).

If you or someone you know deals with ankylosing spondylitis and life insurance is a concern for you, contact us. We’ll do our best to give you up-to-date information and accurate quotes. Making an informed purchase will not only ease the process of buying life insurance, but could save you thousands of dollars in insurance premiums in the long run.

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