Cervical Spondylosis Life Insurance

Health conditions high risk insurance cervical spondylosis

We understand that cervical spondylosis can just be one of those things that happens as we start to get older. 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, provided that 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 on 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?
  • 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 do get in touch and speak to one of our experts. Let us take the hassle out of the application process for you.

Get a Life Insurance Quote

Cervical Spondylosis Critical Illness Cover

As with Life Insurance, Critical Illness Cover for those with cervical spondylosis may well be available on standard terms, 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 and an insurer may seek a medical report from your GP. Standard terms may be available, 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 be more towards a higher severity, 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.

Get a Critical Illness Cover Quote

Cervical Spondylosis Income Protection

Obtaining income protection when you have cervical spondylosis is more complicated than it is for those without medical conditions and there will probably be exclusions included within any policy you are offered.

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.

If long-term income protection is not available to you, there are a couple of different options that we can look at. Income protection policies are brilliant because you can pick and choose so many aspects of them, effectively building them to suit your needs.

Get an Income Protection Quote

Cervical Spondylosis Travel Insurance

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.

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What is Cervical Spondylosis

Cervical spondylosis is an age-related condition where parts of the spine begin to alter, become rigid and painful due to 'wear and tear'. As we age the spine may begin to develop bones spurs (osteophytes) to compensate for the loss of cushioning provided by degenerated discs. These extra lumps of bone can cause the spine to become rigid resulting in reduced movement and excess pressure upon the spinal cord and surrounding nerves.

Also: Cervical Osteoarthritis

Linked with: Chronic neck pain, cervical radiculopathy (brachialgia), cervical myelopathy (spinal damage), high BMI, arthritis

Possible Effects on Lifestyle

Some people with Cervical Spondylosis may experience some or all of the following symptoms and problems:

  • Use of support pillows when laying down
  • Loss of feeling in the hands and feet
  • Pins and needles in the arms and legs
  • In severe cases the condition may cause incontinence
  • Stiff neck
  • Shoulder pain
  • Headaches
  • Difficulty walking
  • Loss of coordination

Medications and Treatments

  • Aspirin
  • Codeine
  • Diazepam
  • Exercise
  • Ibupofen (Brufen, Cuprofen)
  • Naproxen
  • Non steroidal anti-inflammatory drugs (NSAIDs)
  • Paracetamol
  • Physiotherapy

Further Reading and Research

Common Questions

1. How does cervical spondylosis impact income protection?

If you have a well managed condition that hasn't caused you any time off work in the past, then its possible that you might be able to set up an income protection policy. Some insurers may refuse or decline your application for income protection, but please do not let this concern you. There are many options when it comes to income protection, personal policies, group (employer-funded) income protection and non-medically underwritten options. We can access all of these for you.

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Kathryn Knowles, Managing Director

Dr Kathryn Knowles Phd

This page was written by Dr Kathryn Knowles Phd, an award-winning insurance adviser. To read more about Kathryn please see her bio here.