Cervical Spondylosis Life Insurance
Cervical Spondylosis is a condition in which the disks between the bones in a person’s neck (vertebrae) begin to compress the spinal cord, resulting in discomfort and pain in the neck. It can be linked to more serious spinal conditions, and is most common in people over the age of 50. A main cause of Cervical Spondylosis is the ageing process, as it gradually puts pressure on muscles and bones, causing stress, wear and tear. It is possible to have a family history of the condition. Cervical Spondylosis can be more common in individuals who have previously suffered an injury to the neck, or who have a job that involves lots of head and neck movement on a frequent basis.
Symptoms include:
- A stiff neck
- Stiff shoulders
- Headaches
- Pain in the back of the neck
- Difficulty walking and ‘jerky’ leg movements
- Muscle spasms in the legs
- Aching and pain in hands and feet
In severe cases of Cervical Spondylosis, bowel and bladder functions can be affected, and if neck trauma has greatly damaged the spinal cord, limb movement can range from being challenging to impossible, resulting in a need for surgery. If spinal nerve roots become compressed, pain will occur in the shoulders, neck, arms and head. Muscular degeneration may also occur in the arms, causing muscle wastage.
Treatments for Cervical Spondylosis include the following:
- Wearing a neck collar or brace (if nerve roots are compressed)
- Non-steroidal anti-inflammatory medications to ease discomfort
- Muscle relaxants
- Surgery (in extreme cases)
How Cervical Spondylosis life insurance, critical illness cover and income protection works:
The following are the main conditions for underwriting an application for Cervical Spondylosis life insurance:
- Severity of Cervical Spondylosis
- Date of initial diagnosis
- Medications currently being taken
- Any other related health complications
The Insurance Surgery is a leading Cervical Spondylosis life insurance specialist. We assess every client’s circumstances differently to identify the best life insurance providers and cover plans for your needs. Just fill in one of our online forms for your free no-obligation quote for your Cervical Spondylosis life insurance.
Cervical Spondylosis Life Insurance
Underwriting for Cervical Spondylosis life insurance will depend on the following factors. Insurers may ask you the following questions:
- When were you first diagnosed with Cervical Spondylosis?
- What medications do you take to ease your symptoms?
- Have you received treatment by a doctor or in hospital for Cervical Spondylosis?
- How does the condition affect your lifestyle and daily activities?
- Does your condition prevent you from working?
- Is your Cervical Spondylosis linked to any other medical conditions?
- Does Cervical Spondylosis run in your family’s medical history?
While some applications can be easily accepted and underwritten online, an insurer may want to discuss your application with you in more detail to determine the severity of your condition. For instance, an insurer may want access to details of medications you are taking, the date of your initial diagnosis, and details of any other medical-related complications. At The Insurance Surgery, we have helped many people find the right Cervical Spondylosis life insurance cover for their needs.
There are a number of additional factors that could affect your Cervical Spondylosis life insurance premiums. These are:
- Your age
- Whether you smoke
- Your general health and lifestyle
- Family medical history
Ratings for Cervical Spondylosis life insurance can vary depending on a person’s individual circumstances, so it is important that you approach the right insurance provider that can meet your needs.
Cervical Spondylosis Critical Illness Cover
Depending on your circumstances, as with life insurance, critical illness cover could be available to you through some insurers if you suffer from cervical spondylosis. Cover will depend on whether you are able to manage your condition and the extent to which it impacts on your general health, well-being and lifestyle.
Applications for critical illness cover can be stricter than applications for life insurance. An insurer may seek some form of medical confirmation from your GP, or access to your medical records.
It is possible to have an application for critical illness cover accepted on standard terms, but this will always depend on the severity of your condition.
If your symptoms are seen as more severe, you might be offered cover with non-standard terms that are bespoke to your situation. Contact us at The Insurance Surgery for more details and to be put in touch with insurers offering cover for your needs.
Cervical Spondylosis Income Protection
If you are looking for income protection and you suffer with Cervical Spondylosis, you may find that there are some exclusions to your policy in comparison with someone who doesn’t suffer from a medical condition.
An insurer will want details of any medications you have been taking to manage your symptoms, treatments undertaken and details of any periods of time you have had off of work as a result of your condition.
It is possible to build an income protection policy that is bespoke to your needs with the right insurer.
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Tom has been incredibly helpful throughout the whole process of getting my life insurance set up. Very knowledgeable and absolutely ‘on it’ to get me the best product out there.
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Service was first class, Simon kept me informed at every step in the process.I would have no hesitation in dealing with him again.
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Dealt with Karl who could not have been more helpful. Made the whole process of getting life insurance far easier than other providers I had approached.
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Approved immediately. Process was so fast and a lot cheaper than I thought. Highly recommended.
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Useful Links
The Insurance Surgery is a specialist life insurance expert for those suffering with Cervical Spondylosis. We have helped many people find the right cover for their personal circumstances, and can point you in the right direction of leading insurers offering the right cover for your needs.
Click the links below to find out more: