In this article, we wanted to take a moment to answer some of the most common questions we get from clients wishing to apply for life insurance after having been diagnosed with Ankylosing Spondylitis.

  • Can I get Life Insurance and Serious Illness Cover, I have been diagnosed with Ankylosing Spondylitis?
  • What kind of information will the insurance companies ask me or be interested in?
  • How much will the cover be?
  • What can I do to help ensure that I get the most appropriate cover at the best rate?

Can I qualify for Life Insurance and Serious Illness cover if I have been diagnosed with Ankylosing Spondylitis?

Yes, individuals who have been diagnosed with Ankylosing Spondylitis should be able to qualify for Life Insurance and Serious Illness Cover.

What kind of information will the insurance companies ask me or be interested in?

Typical questions you’ll likely be asked may include:

  • Date of diagnosis
  • Symptoms
  • Treatment / medication
  • Any planned surgery
  • Severity of condition
  • Your Lifestyle (Gym, Swimming, Sports etc)

How much will my cover cost?

As a specialist broker, we know which insurers are most lenient when it comes to Ankylosing Spondylitis.

As you can see, there are many factors that the insurer will look at. Therefore, it’s pretty much impossible to know for sure what kind of cover you might be able to qualify for without first speaking with you for a few minutes.

Many people with AS respond well to treatment and thankfully can lead a life where it does not affect their day to day living. Many of our clients with AS work full time, they regularly play golf, badminton and cricket. If your condition is well managed and you don’t have any complications, you may be able to get standard terms life insurance.

If your condition is preventing you from working or preventing you from being able to live a “normal” life, chances are you’re going to have a more difficult time qualifying for a Life and Serious Illness Cover. It is best to talk to us first.

What can I do to help ensure that I get the most appropriate cover at the best rate?

Look for a specialist Life Insurance advisor, who not only have experience working with individuals who have been diagnosed with AS but also have access to all the life insurance companies.

The good news is that this is exactly what you’re going to find here at OneLife Insure.

When speaking to us, don’t just tell us about your AS, make sure to tell us about your lifestyle which may help your application.

If you are looking for ankylosing spondylitis Life Cover, Serious or Critical Illness cover or Income Protection, contact our team of experts at OneLife Insure to see what we can do to help you protect your loved ones and save you money.