Cervical Spondylosis & Life Insurance

We understand that cervical spondylosis can just be one of those things that happens as we start to get older. It can also happen if we need to do specific repetitive tasks, at any point in our life.

Applying for life insurance when you have cervical spondylosis can seem a little daunting. But in reality, life insurance for people with the condition can be available at normal terms with some insurers. This can happen if your health is stable and you do not require strong medication to manage the symptoms.

We’ll be able to advise you on your application based upon your specific circumstances. We will need some information from you including:

• How long it has been since you were diagnosed?
• Any medications that you use?
• Any other treatment you receive?
• Have you had any surgery?
• How the condition affects your day to day living?
• Any other medical conditions that you have?

If you do have any other medical conditions included on your application the insurer may want to discuss those other aspects of your health further.

We’ve helped lots of people with cervical spondylitis to secure the most appropriate life insurance policy for their needs., so please do get in touch and speak to one of our experts. Let us take the hassle out of the application process for you.

Critical illness cover pays out a cash lump sum of money, if you are diagnosed with a medical condition that is listed in the insurer’s claims set e.g. cancer, heart attack, stroke.

As with life insurance, critical illness cover for people that have cervical spondylosis may be available on standard terms. This is most likely if your condition is well controlled and does not present significant problems to your general standard of living and day to day health.

With any critical illness insurance application, the acceptance criteria can sometimes be a little more strict than with life insurance. It is possible that the insurer may want to see a a medical report from your GP. This is simply to confirm the information that you have given them and for them to see the technical medication that your GP will have noted about your diagnosis.

Standard terms may be available for critical illness cover, but it all comes down to how much the condition is affecting your daily living, ability to work and how you manage your health. If your symptoms are seen to have a significant impact upon your life, or your medication and treatment are quite strong, you may be offered cover at non-standard terms.

Get in touch and let us talk you through the potential options available to you. 

Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.

Income protection policies are brilliant because you can pick and choose so many aspects of them, effectively building them to suit your needs.

Obtaining income protection when you have cervical spondylosis is more complicated than it is for people without any medical disclosures. We are here to take away the complicated parts of it for you, so you can focus on the main parts of what the costs, what you are covered for and when the policy can start.

As a standard part of any application, the insurer will be interested in information about your health and any medications or treatments that you use. But in addition, with income protection, you’ll need to provide information about any amount of time you’ve had off work relating to your cervical spondylosis.

With income protection policies it is quite common for pre-existing medical conditions to be excluded from potential claims.  

If you’re going to be travelling overseas in the near future, you’ll need to declare your cervical spondylosis on any travel insurance application. You can visit our travel page to find out more here.