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Ankylosing Spondylitis Life Insurance

Searching for life insurance with Ankylosing Spondylitis? The Insurance Surgery specialises in finding the best life cover options for people with Ankylosing Spondylitis, so get in touch today for your free quote.

What Is Ankylosing Spondylitis life insurance?

Life insurance for ankylosing spondylitis can often be offered and terms can vary from the insurers standard rates with no additional loadings up to high loadings or even decline in more severe cases. Our experience of dealing with ankylosing spondylitis applications are varied and most insurance providers can be favourable where there is no major surgery and the condition is well controlled.

In most applications we see for ankylosing spondylitis life cover there has been at least a requirement for underwriters to either view a copy of your medical records or for medical interview to be completed. Insurance providers will want to take a view on your overall state of health as well as the severity of your ankylosing spondylitis to be able to offer you life insurance at the appropriate rate.

If you have applied for ankylosing spondylitis life cover in the past and been offered cover with special terms imposed or even if you have been declined, then you should contact one of our experts. The Insurance Surgery specialises in pre-existing medical conditions life insurance such as ankylosing spondylitis and other chronic conditions.

High blood pressure (hypertension)

Increased stroke risk

Risk of aortic rupture

Nosebleeds

Angina

Cramping sensations in the legs

Sensitivity to hot and cold

Weak muscles

How ankylosing spondylitis life cover works:

STEP 1

Complete form

STEP 2

Speak to us about your needs

STEP 3

We’ll search the market

STEP 4

We recommend the best product to suit your needs

STEP 5

Tell us when you want it to start!

For anyone who has been diagnosed with ankylosing spondylitis looking for life insurance, critical illness cover or income protection, underwriters will need require additional information about your condition and health:

Date of diagnosis

Symptoms

Treatment / Medication

Any planned surgery

Severity of condition

Speak to our expert advisers to find out how we can help you to find your ankylosing spondylitis life cover to protect your loved ones. We have helped thousands of people with pre-existing medical conditions such as ankylosing spondylitis to get cover and save money.

Critical Illness Cover

Critical illness cover for someone suffering from ankylosing spondylitis will almost always be subject to providing underwriters with access to view your medical records.

Some insurers may alternatively request for you to complete a medical screening which are both designed to enable insurers to assess the overall state of your health as well as anything relating to your ankylosing spondylitis.

Fortunately ankylosing spondylitis is one of the pre-existing medical conditions where critical illness cover is available and terms can vary from standard rates with no exclusions in very well controlled cases with no other issues, all the way up to increased premiums with exclusions or even to decline in more severe cases.

Income Protection Insurance

If you have been diagnosed with ankylosing spondylitis and you are looking for income protection, you may find it difficult to get cover from most high street insurance providers. This is due to the increased risks of claim from mobility related issues and other problems which are likely to cause you to require time off from work.

It is possible to get ankylosing spondylitis income protection from some non-high street or specialist insurance providers if the condition is not described as severe and no medication is currently being taken. If you are offered ankylosing spondylitis income protection you may find that there are restrictions imposed such as the length of deferment period which can be offered from 13 weeks or claims relating to your condition.

Ankylosing Spondylitis Life Cover

Anyone who has been diagnosed with ankylosing spondylitis looking for life insurance will be required to provide certain information about their condition to underwriters for them to be able to accurately assess the application.

Information required for ankylosing spondylitis life cover:

Severity and regularity of symptoms

Type of medication and dosage

Any treatment and/or surgery

Details of any other related or non-related conditions (e.g. Anaemia, Cardiovascular Disease, Arthritis etc.)

Do You Need Life Insurance?

If you’re the primary breadwinner or share financial responsibilities, a life insurance policy can help your family maintain their standard of living in the unfortunate event that you’re no longer around to support them.

Life Cover Terminology

Understanding life insurance terminology is essential for policyholders to make informed decisions about their cover, we have broken down the meaning for some of the most used terms.

Useful Links

If you are looking for ankylosing spondylitis life cover, critical illness cover or income protection, contact our team of experts at The Insurance Surgery to see what we can do to help you protect your loved and save you money.

Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

We take pride in the experience that we offer, guaranteeing excellent service at all times.

25 years Experience.

With 25 years of specialist life and protection experience, we can find the perfect policy for you.

Access to a range of insurers.

With a broad selection of partners, we are well-equipped to find the best insurance deals for you.

Award-winning broker.

Known for making insurance simple, The Insurance Surgery is a trusted, award-winning broker.

Benefit from Our Life Insurance Policies Today.

Relax, knowing that your family can receive the financial support that they need after you pass, and trust The Insurance Surgery to guide you through the life insurance process. With 25 years behind us, we are a trusted broker known for our expertise, prioritising transparency, and providing excellent customer service. So, rely on us to ensure you receive the cover you need at a fair and affordable price.

For a life insurance quote, contact us today on 0800 083 2829 to schedule a free consultation and take the first step towards protecting yourself and your loved ones financially.

Understanding Inheritance Tax (IHT) and Life Insurance

Understanding how IHT works and the ways to mitigate its impact can help you plan and ensure that your loved ones don’t face unexpected tax bills.

How Much Does Life Insurance for HIV Cost?

Since the introduction of Highly Active Antiretroviral Therapy (HAART), premiums for those living with HIV have significantly reduced over the last 15 years. The amount you pay each month in policy premiums depends on your specific circumstances. When assessing your application, insurers will take into account factors such as your CD4 count and viral load.

Our experts will help you find the best deal to suit your needs and budget, taking the time to go through the different policies and discuss any concerns you may have.

For a clearer idea of the average cost of life insurance, visit our Guide.

Life Insurance with HIV Case Study 1

James is 31 years old and was diagnosed with HIV in 2017. He wanted to obtain both life insurance and critical illness cover to support his wife and child should anything happen.

We found James Life Insurance & Critical Illness Cover below:

Total Cover
Amount:

£40,000

Monthly Premium
Cost:

£22.41

Duration of
Policy:

30 years

Life Insurance with HIV Case Study 2

Jean is aged 45 and was diagnosed with HIV in 2011. She is keen to secure level life insurance for her and her partner.

We found Jean the Level Life Insurance below:

Total Cover
Amount:

£160,000

Monthly Premium
Cost:

£15.23

Duration of
Policy:

20 years

How much cover do you need?

You can use our Cover Calculator below to determine how much cover you need. Additionally, you will need to take into consideration the following:

Any outstanding debts

Mortgage/rent

Number of dependants

Take-home pay or income from other sources

Speak to our team of experts for FREE
specialist advice today.

Monday to Thursday:

9:00am – 8:00pm

Friday:

9:00am – 3:00pm

Facts About Life Insurance.

Life insurance can serve multiple purposes, including income replacement, wealth transfer, estate planning, and business succession. But how does life insurance shape up with the UK population?

7.5 million families

in the UK have no life insurance or critical illness cover.

£40,000

The average life insurance policy in the UK covers only about £40,000.

28%

of UK adults believe life insurance is too expensive.

96.9%

of all protection case claims were paid in 2024

Life insurance is unique – just like you.

Life Insurance for Parents

Life Insurance for Dads

Life Insurance for Sports & Hobbies

Life Insurance for Self-Employed

Income Protection

Life Insurance for Smokers

Price Promise.

Obtain a cheaper quote elsewhere, we’ll beat
the price and also give you a £50 gift card!*

We are committed to offering unbeatable prices. Our
Price Promise ensures that we will find you the right
cover for your circumstances.

Frequently Asked Questions

What if I already have life insurance and have ankylosing spondylitis?

If you have got life insurance prior to being diagnosed with ankylosing spondylitis then you should consider keeping that cover if there is a genuine value to it and a period of time remaining on the term.

You may be able to look at a top up ankylosing spondylitis life cover policy which can be used for additional family protection or mortgage protection if your existing policy is insufficient.

Which insurers are best for ankylosing spondylitis life insurance, critical illness cover or income protection?

Insurance underwriting for ankylosing spondylitis and all other conditions is regularly altered and improved by all insurers and therefore it will depend on what is available at the time of your application.

A specialist insurance broker such as The Insurance Surgery will know which underwriters are best for each condition and variations or severities of each condition so should be able to point you in the right direction.

What if I have been declined for ankylosing spondylitis life insurance previously?

If you have applied for cover in the past and been declined life insurance because of your ankylosing spondylitis then you should speak to an expert or specialist.

It may be that the previous insurance broker who dealt with your application for ankylosing spondylitis life insurance was not experienced enough in dealing with specific medical conditions such as ankylosing spondylitis to know which insurers are best.

For More Information, Check Out Our Latest Blogs

Stay informed with the latest updates in the insurance industry for 2025 here.

We aim to provide clear advice, breaking down the jargon, so you understand the importance of protection insurance.

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Ankylosing Spondylitis Life Insurance

What Is Ankylosing Spondylitis life insurance?

Risk of aortic rupture

Nosebleeds

Cramping sensations in the legs

Sensitivity to hot and cold

Weak muscles

How ankylosing spondylitis life cover works:

Date of diagnosis

Symptoms

Treatment / Medication

Any planned surgery

Severity of condition

Critical Illness Cover

Income Protection Insurance

Ankylosing Spondylitis Life Cover

Life Cover Terminology

Useful Links​

Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

25 years Experience.

Access to a range of insurers.

Award-winning broker.

Benefit from Our Life Insurance Policies Today.

How Much Does Life Insurance for HIV Cost?

For a clearer idea of the average cost of life insurance, visit our Guide.

Life Insurance with HIV Case Study 1

Total Cover Amount:

£40,000

Monthly Premium Cost:

£22.41

Duration of Policy:

30 years

Life Insurance with HIV Case Study 2

Total Cover Amount:

£160,000

Monthly Premium Cost:

£15.23

Duration of Policy:

20 years

How much cover do you need?

Any outstanding debts

Mortgage/rent

Number of dependants

Take-home pay or income from other sources

Speak to our team of experts for FREE specialist advice today.

Monday to Thursday:

Friday:

Facts About Life Insurance.

7.5 million families

in the UK have no life insurance or critical illness cover.

£40,000

The average life insurance policy in the UK covers only about £40,000.

28%

of UK adults believe life insurance is too expensive.

96.9%

of all protection case claims were paid in 2024

Life insurance is unique – just like you.

Life Insurance for Parents

Life Insurance for Dads

Life Insurance for Sports & Hobbies​

Life Insurance for Self-Employed

Income Protection

Life Insurance for Smokers

Price Promise.

Obtain a cheaper quote elsewhere, we’ll beatthe price and also give you a £50 gift card!*

Frequently Asked Questions

For More Information, Check Out Our Latest Blogs

Monday to Thursday:

Friday:

Useful Links

Total Cover
Amount:

Monthly Premium
Cost:

Duration of
Policy:

Total Cover
Amount:

Monthly Premium
Cost:

Duration of
Policy:

Speak to our team of experts for FREE
specialist advice today.

Life Insurance for Sports & Hobbies

Obtain a cheaper quote elsewhere, we’ll beat
the price and also give you a £50 gift card!*