Musculoskeletal Conditions & Life Insurance

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Musculoskeletal Conditions & Life InsuranceAlthough having a musculoskeletal condition may be a worry of yours, it often doesn’t effect life insurance and we are here to advise and help you through the application process.

Things we need to know:

  • When were you diagnosed with having a musculoskeletal condition?

In general you should have no concern applying for life insurance if you have a musculoskeletal condition, as whilst your condition may be serious it is not usually life threatening.

Depending upon your condition and the strength of your symptoms, it may be necessary for the insurance provider to speak with your GP. This is a standard process and can be handled fully by our team who will keep you away from any hassle and keep you up to date regularly with your application.

Your condition may result in your life insurance application being awarded “special” rates. This could include a premium increase due to the perceived added risk that your condition presents on your general health. Indications of the amount of premium increase you could expect are available within the links below. If you have any additional medical conditions or significant familial history you may find that your policy is declined.


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.

Again you should not be concerned about applying for critical illness insurance with your musculoskeletal condition. Should your condition be on the list of claimable conditions of the critical illness policy it will certainly be excluded from your policy. You may also find that any illnesses that are closely linked to your condition are excluded.

Whilst this may make you wonder if there is any point applying for critical illness cover please be aware that such policies can include up to 59 conditions. It is unlikely that you will have any conditions excluded but if you do there will still be plenty of others that you are insured for. However, if your medical condition has strong symptoms and/or you have other significant medical disclosures you may be declined critical illness cover. Please use the links below for further details about applying for critical illness cover with you musculoskeletal condition.


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

Income protection policies are available for individuals with musculoskeletal conditions and should be a relatively straightforward process, depending upon the strength of your condition and your occupation.

Your own condition will almost certainly be excluded from your claims package for an income protection policy and your premiums may be loaded too. If you would like long-term income protection should you be unable to work due to illness or injury please use our free online quotation system to see what could be available for you.


It is usually a good idea to have travel insurance that supports your medical history when planning a holiday. We do not give advice on travel insurance, but there are specialists listed on our travel insurance page that you can talk to.

What are Musculoskeletal Conditions?

Musculoskeletal conditions can be some of the most difficult illnesses to diagnose and manage due to their inherent nature to affect almost all areas of the body. Musculoskeletal conditions affect muscles, ligaments, tendons and bones, and as such can often be an “invisible” illness that can make it hard for others to understand that something is wrong.

Linked with: Multiple SclerosisBack Pain, Rheumatoid Arthritis

Please find further information below on a number of musculoskeletal conditions, each link provides detail on obtaining policies such as Life Insurance, Life and Critical Illness Cover and Income Protection with the chosen condition.

Any and all of the above conditions must be disclosed upon Life, Life and Critical Illness or Income Protection policy that you apply for.

Common Questions

Hi, it really depends upon what the check up is for. With some conditions it is quite standard to see your rheumatologist routinely and insurers do take this into account. If you are due to have any tests or there have been any changes to your health, some insurers will want to wait to review your application until you have seen your specialist.

Hi, it would be really good for us to have a chat. When you take out life insurance, most insurers are accepting your application based upon your health at the day that the policy starts. This means that if your health changes after this date, they will still continue to cover you on your life insurance policy. I will call you and we can check over your policy terms and conditions.


Client Reviews

Cura Financial Services has been rated 5 out of 5 based on 467 reviews.

Review by Eleese on 15th March 2021

Made the process really quick and simple - 5 

You can read more of our reviews here.

Musculoskeletal Conditions & Life Insurance

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

Musculoskeletal Conditions & Life Insurance

Client Reviews

Musculoskeletal Conditions & Life Insurance

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Please feel free to call us on 0800 567 7450 and one of our qualified insurance advisers will be happy to assist you.

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Please feel free to request a quote from us using our online form. The more information that you can provide us about your health conditions, hobbies, travel and/or occupation, the more accurate indications of price we’ll be able to give you.

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