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Contact our specialist team for FREE expert help & advice 0800 083 2829

Musculoskeletal Disorders (MSD’s) Life Insurance

You may have found it difficult to secure life insurance with Musculoskeletal Disorders (MSD’s) Life Insurance. But rest assured, The Insurance Surgery has over 25 years of experience finding suitable policies for our clients.

What Is Musculoskeletal Disorders (MSD’s) Life Insurance?

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 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.

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

STEP 1

Complete form

STEP 2

Speak to us about your needs

STEP 3

We’ll search the market

STEP 4

We recommend the best product to suit your needs

STEP 5

Tell us when you want it to start!

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

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. Our team of specialists will take information about your condition(s) to help identify which insurance providers will be best for you to protect your family, home or business and to help save you money.

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.

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.

Do You Need Life Insurance?

If you’re the primary breadwinner or share financial responsibilities, a life insurance policy can help your family maintain their standard of living in the unfortunate event that you’re no longer around to support them.

Life Cover Terminology

Understanding life insurance terminology is essential for policyholders to make informed decisions about their cover, we have broken down the meaning for some of the most used terms.

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.

Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

We take pride in the experience that we offer, guaranteeing excellent service at all times.

25 years Experience.

With 25 years of specialist life and protection experience, we can find the perfect policy for you.

Access to a range of insurers.

With a broad selection of partners, we are well-equipped to find the best insurance deals for you.

Award-winning broker.

Known for making insurance simple, The Insurance Surgery is a trusted, award-winning broker.

Benefit from Our Life Insurance Policies Today.

Relax, knowing that your family can receive the financial support that they need after you pass, and trust The Insurance Surgery to guide you through the life insurance process. With 25 years behind us, we are a trusted broker known for our expertise, prioritising transparency, and providing excellent customer service. So, rely on us to ensure you receive the cover you need at a fair and affordable price.

For a life insurance quote, contact us today on 0800 083 2829 to schedule a free consultation and take the first step towards protecting yourself and your loved ones financially.

Understanding Inheritance Tax (IHT) and Life Insurance

Understanding how IHT works and the ways to mitigate its impact can help you plan and ensure that your loved ones don’t face unexpected tax bills.

How Much Does Life Insurance for HIV Cost?

Since the introduction of Highly Active Antiretroviral Therapy (HAART), premiums for those living with HIV have significantly reduced over the last 15 years. The amount you pay each month in policy premiums depends on your specific circumstances. When assessing your application, insurers will take into account factors such as your CD4 count and viral load.

Our experts will help you find the best deal to suit your needs and budget, taking the time to go through the different policies and discuss any concerns you may have.

For a clearer idea of the average cost of life insurance, visit our Guide.

Life Insurance with HIV Case Study 1

James is 31 years old and was diagnosed with HIV in 2017. He wanted to obtain both life insurance and critical illness cover to support his wife and child should anything happen.

We found James Life Insurance & Critical Illness Cover below:

Total Cover
Amount:

£40,000

Monthly Premium
Cost:

£22.41

Duration of
Policy:

30 years

Life Insurance with HIV Case Study 2

Jean is aged 45 and was diagnosed with HIV in 2011. She is keen to secure level life insurance for her and her partner.

We found Jean the Level Life Insurance below:

Total Cover
Amount:

£160,000

Monthly Premium
Cost:

£15.23

Duration of
Policy:

20 years

How much cover do you need?

You can use our Cover Calculator below to determine how much cover you need. Additionally, you will need to take into consideration the following:

Any outstanding debts

Mortgage/rent

Number of dependants

Take-home pay or income from other sources

Speak to our team of experts for FREE
specialist advice today.

Monday to Thursday:

9:00am – 8:00pm

Friday:

9:00am – 3:00pm

Facts About Life Insurance.

Life insurance can serve multiple purposes, including income replacement, wealth transfer, estate planning, and business succession. But how does life insurance shape up with the UK population?

7.5 million families

in the UK have no life insurance or critical illness cover.

£40,000

The average life insurance policy in the UK covers only about £40,000.

28%

of UK adults believe life insurance is too expensive.

96.9%

of all protection case claims were paid in 2024

Life insurance is unique – just like you.

Life Insurance for Parents

Life Insurance for Dads

Life Insurance for Sports & Hobbies

Life Insurance for Self-Employed

Income Protection

Life Insurance for Smokers

Price Promise.

Obtain a cheaper quote elsewhere, we’ll beat
the price and also give you a £50 gift card!*

We are committed to offering unbeatable prices. Our
Price Promise ensures that we will find you the right
cover for your circumstances.

Frequently Asked Questions

Can a person with HIV get life insurance?

Yes, absolutely. Due to the recent changes in life insurance underwriting for HIV, we have seen a number of previous restrictions lifted. We now have access to standard rates and ‘whole of life‘ cover with no term restrictions if you are living with HIV, your viral load is undetectable, and your CD4 count is high.

Does a HIV test affect life insurance?

Similar to other pre-existing medical conditions, if you are HIV positive, you will likely pay higher premiums than someone who isn’t. The exact amount depends on your personal circumstances, which will be assessed when you put forward your application.

Does life insurance cover HIV?

If you’ve recently been diagnosed with HIV but already have life insurance, it is well worth reviewing your existing cover, especially if it was obtained several years ago, as it is very likely that some changes could benefit you.

The Insurance Surgery also offers a free Annual Review service to all our existing / new clients. This means that we constantly make sure that you have the right cover for your ever-changing life and check for any changes in underwriting.

Do you offer advice on travel insurance with HIV?

Yes, we do! Use our partner’s Travel Insurance comparison tool to compare over 20 travel insurance quotes, all with your HIV covered, within just a few minutes and only having to input your information once.

How Can The Insurance Surgery Help?

Offering free advice, our experts are ready and waiting to offer protection advice on HIV life insurance policies that would best benefit your circumstances. With 25 years of experience, we’re a trusted broker and pride ourselves on making insurance simple.

We understand that finding life insurance can be tricky, especially when you have a pre-existing condition, so why not leave it to us? Give us a call today, and we’ll help you find the ideal policy that suits your needs and matches your budget.

For More Information, Check Out Our Latest Blogs

Stay informed with the latest updates in the insurance industry for 2025 here.

We aim to provide clear advice, breaking down the jargon, so you understand the importance of protection insurance.

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By Policy

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Life and Health Insurance for Business

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Musculoskeletal Disorders (MSD’s) Life Insurance

What Is Musculoskeletal Disorders (MSD’s) Life Insurance?

Fibromyalgia

Osteoarthritis

Rheumatoid Arthritis

Carpel Tunnel Syndrome

Tendinitis

How Musculoskeletal Disorders life insurance, critical illness cover and income protection works

Date of diagnosis

Type of Musculoskeletal Disorder

Any surgery

Medication or treatment

Severity of your symptoms

Musculoskeletal Disorders critical illness cover

Musculoskeletal Disorders income protection

Musculoskeletal Disorders life insurance

Life Cover Terminology

Useful Links​

Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

25 years Experience.

Access to a range of insurers.

Award-winning broker.

Benefit from Our Life Insurance Policies Today.

How Much Does Life Insurance for HIV Cost?

For a clearer idea of the average cost of life insurance, visit our Guide.

Life Insurance with HIV Case Study 1

Total Cover Amount:

£40,000

Monthly Premium Cost:

£22.41

Duration of Policy:

30 years

Life Insurance with HIV Case Study 2

Total Cover Amount:

£160,000

Monthly Premium Cost:

£15.23

Duration of Policy:

20 years

How much cover do you need?

Any outstanding debts

Mortgage/rent

Number of dependants

Take-home pay or income from other sources

Speak to our team of experts for FREE specialist advice today.

Monday to Thursday:

Friday:

Facts About Life Insurance.

7.5 million families

in the UK have no life insurance or critical illness cover.

£40,000

The average life insurance policy in the UK covers only about £40,000.

28%

of UK adults believe life insurance is too expensive.

96.9%

of all protection case claims were paid in 2024

Life insurance is unique – just like you.

Life Insurance for Parents

Life Insurance for Dads

Life Insurance for Sports & Hobbies​

Life Insurance for Self-Employed

Income Protection

Life Insurance for Smokers

Price Promise.

Obtain a cheaper quote elsewhere, we’ll beatthe price and also give you a £50 gift card!*

Frequently Asked Questions

For More Information, Check Out Our Latest Blogs

Monday to Thursday:

Friday:

Useful Links

Total Cover
Amount:

Monthly Premium
Cost:

Duration of
Policy:

Total Cover
Amount:

Monthly Premium
Cost:

Duration of
Policy:

Speak to our team of experts for FREE
specialist advice today.

Life Insurance for Sports & Hobbies

Obtain a cheaper quote elsewhere, we’ll beat
the price and also give you a £50 gift card!*