Some of the major conditions that can affect life insurance underwriting are Musculoskeletal Disorders so you will find that insurance offers will vary from one insurer to another which is why it is important to speak to a specialst like The Insurance Surgery who has the experience and knowledge to be able to help.
Musculoskeletal Disorders (MSD’s) Life Insurance, Critical Illness Cover And Income Protection
We are a leading insurance expert for people with all types of pre-existing medical conditions such as Musculoskeletal Disorders life insurance, critical illness cover and income protection.
Some of the main Musculoskeletal Disorders are:
- Fibromyalgia
- Osteoarthritis
- Rheumatoid Arthritis
- Carpel Tunnel Syndrome
- Tendinitis
Our team of Musculoskeletal Disorders life insurance, critical illness cover and income protection experts have helped thousands of people to protect their loved ones in the event of accident, illness or even death.
How Musculoskeletal Disorders life insurance, critical illness cover and income protection works
Some of the key points that will be taken in to consideration when assessing an application for a Musculoskeletal Disorders life insurance, critical illness cover and income protection are:
- Date of diagnosis
- Type of Musculoskeletal Disorder
- Any surgery
- Medication or treatment
- Severity of your symptoms
Musculoskeletal Disorders life insurance
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.
Musculoskeletal Disorders critical illness cover
In most cases we see for Musculoskeletal Disorders critical illness cover there are no issues in getting the cover people want and often premiums are very favourable. Often you will find that for mild to moderate conditions, Musculoskeletal Disorders critical illness cover should be offered at the same rate as for someone with no medical issues.
If your condition is more severe or your symptoms have an impact on your lifestyle then you may find that additional underwriting is required for Musculoskeletal Disorders critical illness cover, such as medical reports. You may find that in some cases that some conditions will be excluded from your offer for Musculoskeletal Disorders critical illness cover due to the increased risks.
Musculoskeletal Disorders income protection
Most people with Musculoskeletal Disorders can also get income protection cover in most cases, especially where symptoms are mild which would be classed as lower risk. In some applications where the condition has resulted in the individual having to have time off work then you may find that your application for Musculoskeletal Disorders income protection could be subject to additional underwriting.
You also may find that your offer of Musculoskeletal Disorders income protection cover could come with some exclusions for related issues. You should contact one of our team of experts to find out more about how we can help you to get the cover you need at the right price.
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Useful Links
If you need help to get Musculoskeletal Disorders life insurance, critical illness cover and income protection then you should contact one of our experts for a quote or free advice.
Click the links below to find out more: