Ankylosing spondylitis is an inflammatory disease of the spinal ligaments and joints and is especially common in young men. The severity can vary from localised tenderness in the lower back to immobility of the entire spine and involvement in other parts of the body. Remissions and relapses occur, and it tends to become inactive over time, sometimes leaving some degree of spinal deformity. Treatment is usually by medication and physiotherapy.
| Classification (for illustrative purposes only) | |
|---|---|
| Mild | Mild or no deformities, no disability, no continuous treatment required. |
| Moderate | Extensive joint involvement, limitation of movement, frequent or continuous therapy. |
| Severe | Chronic disease, severe symptoms or deformity, frequent and prolonged disability. |
What information should my client provide?
Your customer can complete the Arthritis and other joints fast-track questionnaire.
Likely Underwriting acceptance:
| Life Cover | Specified Illness Cover | Income Protection | |
|---|---|---|---|
| No / minimal deformity |
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Please contact Underwriting to discuss. Terms may be available in some select cases
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| Moderate / severe deformity |
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Please contact Underwriting to discuss. Terms may be available in some select cases |
*Loss of independence cover is also likely to be excluded.
Please note that likely acceptance terms are indicative only and cases are subject to full underwriting.
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