Standard rates or better are possible with Ankylosing Spondylitis.
Finding an affordable life insurance policy with Ankylosing Spondylitis can be quite a challenge.
The good news is there is hope!
In fact, tough life insurance cases are our specialty at HighRiskLifeInsuranceAgency.com.
Our 2 Minute Promise
Stick with us for two minutes, and you’ll have two important questions answered:
1. Can you qualify for life insurance with Ankylosing Spondylitis? And if so…
2. How much will it cost?
Can I Qualify for Life Insurance if I have Ankylosing Spondylitis?
Yes, most individuals with Ankylosing Spondylitis will be able to qualify for traditional life insurance, the type of insurance which requires a medical exam.
But you won’t be able to get this rating through your auto insurance company.
How Much Will it Cost?
Best Case Scenario – Ankylosing Spondylitis is not a serious condition and with the correct management rarely has complications like severe pain and muscle stiffness. These cases usually get a “Standard” rating. Click here for a quote at “Standard.”
Moderate Case – Those with complications like posture problems and flexion deformities, but whose symptoms are relatively mild may qualify for a “Mild Substandard” health class. Click here for a quote at “Mild Substandard.”
Severe Case – When posture, pain or stiffness becomes so poor that it affects activities of daily living or requires strong pain medications on a daily basis, you’ll be declined for traditional coverage, but may be approved for a graded death benefit policy.
Common Questions to Assess Rating Class
If you’re unsure which of the above health classes to quote yourself at (Standard or Mild Substandard), please see the questions below:
1. How many years since you were diagnosed with Ankylosing Spondylitis?
Ankylosing Spondylitis a genetic and chronic condition, but the symptoms and complications begin to occur over time. Logevity of the condition increases the probability of complications.
2. Are you taking any medication for your condition?
The need for medications may mean a “Mild Substandard” rating. Life insurance companies never like it when you have to take medication for back or neck pain. Standard may still be possible, but depends on the type of medications and how often you need to take them (daily or as needed).
3. Do you have any postural deformity or spine curvature/misalignment?
These conditions may be signs of a serious complication and may require further evaluation. If you are limited in physical activities, such as not being able to exercise, drive, or perform normal activities of daily living, that could mean a severe substandard case or decline.
4. Have you had any relevant diagnostic tests in the past 12 months?
Diagnostic tests may include a recent X-ray, CT scan or MRI that can show the actual condition of your bones and joints.
5. Do you have regular therapies to correct the deformities and to prevent complications?
This shows compliance with your physician’s management and a god sign for insurance companies to give the best case rating.
If you are still unsure which rating class you fall under, we suggest getting a life insurance quote at multiple substandard ratings, so you can familiarize yourself with the range of substandard premiums.
How to Get a Quote
Using the Instant Life Insurance Quote form on the right, select the rating class that best suits you based on your answers to the questions above, as well as complete the amount and type of coverage needed.
An estimate will appear on the next page.
If we can help you with a quote or to apply for coverage, call us at 877-443-9467.
Overview of Ankylosing Spondylitis
Ankylosing Spondylitis (AS), Bechterew’s Disease, spondyloarthtritis symptoms is an inflammatory disease that affects the axial skeleton, peripheral and other structures outside of a joint. Usual areas affected are the boney prominences and moveable joints of the fingers, shoulders, knees and hips.
Diagnostic tests also show signs of erosions of vertebral discs and osteoporosis. Symptoms of AS include dull pain on the affected areas, low back pain and stiffness especially in the morning or relative immobility.
Related Keywords: Ankylosing Spondylitis, arthritis, inflammatory disease, rheumatoid arthritis