What is Ankylosing Spondylitis?

Ankylosing Spondylitis is rare arthritis of the spine. It is inflammatory arthritis affecting the spine and large joints. It is a lifelong condition and starts from the lower back and graduates up to the upper portion of the back till the neck and damage the joints. Symptoms and duration of the disease may differ from person to person.  It can affect places where our tendons and ligaments attach to bones and can even cause our vertebrae to fuse. You might have pain or stiffness in the lower back, hands, buttocks, rib cage, hips, thighs, feet, heels among others. The pain may get worse in the morning or after sitting for a long time. This disease is more common among men and usually begins in middle-age around 30.

In some cases, people with Ankylosing Spondylitis are also more likely to get certain types of cancers like bone and prostate cancers in men and colon cancer in women, as well as blood-related cancers in both men and women.

What treatment is available for Ankylosing Spondylitis?

Treatment includes medication, physiotherapy and in rare and severe cases, surgery.

Is it difficult to get life insurance with Ankylosing Spondylitis?

It may be difficult to get life insurance if you have been diagnosed with Ankylosing Spondylitis. Most of the insurers will impose special terms and charge a higher premium and few may even decline cover. Insurers will evaluate the risk factors thoroughly and are likely to ask questions like when were you diagnosed with the disease, the frequency and severity of the symptoms, details of medications and ongoing treatment if you have experienced any complications or organ damage due to the condition if you are suffering from any other diseases, whether you have any surgery planned among others. You shouldn’t try to hide the truth about your health condition as a threat may result in your family members not receiving the claim money after your death.

We would recommend you to talk to one of our advisers for life insurance quotes.
Any quote that your adviser provides you with will take into account your circumstances, your medical history, as well as your budget!
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