Speak with an experienced advisor! If you have been diagnosed with ankylosing spondylitis and are wondering about your ankylosing spondylitis life insurance eligibility, we can help! Ankylosing spondylitis need not restrict your ability to purchase the life insurance your family and loved ones so desperately need.
Protecting your family, income, and assets is the most important, caring, and loving thing you will do in your lifetime. Don’t let a specific health concern get in the way of purchasing affordable life insurance protection.
What is ankylosing spondylitis?
Ankylosing spondylitis (AS) is a form of arthritis that results in long-term inflammation of the joints in the spine. AS often affects the joints where the spine meets the pelvis. Back pain is the most common result of AS. Other affected areas can include your knees, hips, shoulders, fingers, and other movable joints. As time goes on, stiffness, soreness, and range of movement worsen.
What are the symptoms ankylosing spondylitis?
The signs and symptoms of AS often appear gradually. The most common time to be diagnosed with AS is between 20 and 30 years of age. Most individuals experience chronic dull pain and stiffness in the lower back.
AS can occur in the entire spine or part of the spine. Pain is often noticed in one or the other buttock area or the thigh area. Patients with AS may also experience pain in the hips, shoulders, knees, ankles, and other regions.
AS is a condition you will want to monitor closely with your physician to get the best level of pain control and mobility retention.
Will having ankylosing spondylitis make it difficult for me to get life insurance?
Usually no. If you have more advanced AS symptoms, getting life insurance will present more challenges.
Will AS eliminate your ability to purchase life insurance?
No. Many insurance companies will approve you for their standard pricing if you have mild to moderate ankylosing spondylitis.
If you recently have been diagnosed with ankylosing spondylitis, purchase life insurance as soon as possible. As your AS condition worsens and you have more physical and mobility problems and require more medications, it will be more difficult to qualify for life insurance plans with the best rates.
Severe and advanced cases of ankylosing spondylitis will cause a decline of life insurance for most people. If you have severe AS, we can help you purchase guaranteed issue life insurance policies.
The sooner you apply for life insurance, the better your life insurance rates will be with AS.
Mild to moderate ankylosing spondylitis is acceptable for life insurance. Severe ankylosing spondylitis will limit your ability to get the best life insurance rates. Either way, we can help you get the best life insurance policy available in the marketplace.
When should I purchase ankylosing spondylitis life insurance?
Now is always the best time to purchase ankylosing spondylitis life insurance. You will rarely be healthier than you are today, and you will never be younger than you are today.
Since AS is often diagnosed in young people, life insurance rates will be very affordable. Because your AS will be in its early stages with limited symptoms and medical treatments, you will still qualify for some of the best life insurance rates possible, often standard or better ratings.
What will my life insurance rates be if I have mild to moderate ankylosing spondylitis?
You can still purchase life insurance; your premiums will just be higher than if you had purchased life insurance when you have limited symptoms of AS.
Because you will experience pain, inflammation, joint deformities, slight posture changes, and other symptoms and will be on more prescription medicines to control pain and inflammation, insurance companies will charge higher premiums for mild to advanced AS cases than if you are healthier or just diagnosed with AS.
Being diagnosed with ankylosing spondylitis should not discourage you from purchasing life insurance! The first rule of life insurance is to have life insurance.
If you have mild to moderate ankylosing spondylitis, you will not be declined for ankylosing spondylitis life insurance by most life insurance companies. Purchase what you can afford now and what fits your budget.
What will my life insurance rates be if I have severe ankylosing spondylitis?
Severe ankylosing spondylitis will cause a decline in most traditional life insurance policies. We have access to a broad range of whole life insurance products you can purchase (in most cases). Call us and we can help you understand your ankylosing spondylitis life insurance options if you have severe AS.
What do the insurance companies look for when I have AS?
Insurance companies will want to know the basics of the people they insure. This would include:
- Age
- Height
- Weight
- Sex
- Age of diagnosis
- Date of diagnosis
- AS location (spine, shoulders, pelvis, hips, etc.)
- AS symptoms (inflammation, pain, posture, etc.)
- Medications prescribed for AS
- Medical treatments
- Surgeries
- Physical limitations (daily activities, driving, work, mobility)
- Therapeutic regimens
Time is not your friend with ankylosing spondylitis and life insurance.
AS is a chronic and degenerative disease. The longer a person has AS, the more likely they are to have complications, and the more likely the disease will advance and cause health and mobility problems. These complications over time result in a high number of decline cases for life insurance.
We cannot stress the importance of purchasing ankylosing spondylitis life insurance in your earlier years of AS versus your later years of AS.
What if I have other health conditions besides AS?
The insurance companies will review all health conditions and medical problems you’ve experienced in the past. Ankylosing spondylitis is only one health factor they will consider.
If you have any other medical conditions, such as high blood pressure, diabetes, arthritis, COPD, or any other health issue, the insurance companies will consider these in addition to your AS.
Conclusion
Being diagnosed with ankylosing spondylitis need not limit you from the most affordable ankylosing spondylitis life insurance options available.
At Life Wealth Win, we specialize in healthy to high-risk life insurance cases. We can help you understand your life insurance options for ankylosing spondylitis or any other medical problems.
