Often there should not be any major issues to get Musculoskeletal Disorders life insurance as most of the conditions in this group are considered to be low risk for this type of cover. Most mild conditions should be offered at the insurers standard rates which are the same as for someone with no health issues as well as having no need to provide your medical records during your application.

Some of the main factors which will be assessed when underwriting an application for Musculoskeletal Disorders life insurance are:

• When were you diagnosed with your condition/disorder
• What type of Musculoskeletal Disorders do you suffer from
• Do your symptoms affect your lifestyle
• Have you ever had surgery

In some more severe or complex cases where symptoms are classed as higher then you may find that your application for Musculoskeletal Disorders life insurance could require additional underwriting. If you are classed as higher risk then you may find that you are required to provide copies of your medical records and your premium could increase to reflect the levels of risk.