Lower Back Pain

The back is a complex structure consisting of a column of vertebral bodies, arches and intervertebral discs (acting as shock absorbers) through 
which the spinal cord and nerve roots pass, supported by an array of muscles, ligaments and tendons. 

Back pain may have a sudden onset or can be a chronic pain; it can be constant or intermittent, stay in one place or radiate to other areas. 
A more severe condition known as a slipped disc or prolapsed intervertebral disc will usually require complete bed rest, manipulation, traction and/or pain relief. Sometimes surgical removal of the disc is necessary.

What information should my client provide? 

Your customer should complete the back problems fast-track questionnaire

Facts:

Studies have shown that low back pain affects up to 85% of the working population at least once in their life. 

Source: www.who.int

Likely Underwriting Acceptance:

Life Cover	Specified Illness Cover	Income Protection	Bill Cover
Normal Rates	Normal Rates / Spinal Exclusion for severe cases	Normal Rates / Spinal Exclusion for severe cases	Normal Rates / Spinal Exclusion for severe cases

Please note that likely acceptance terms are indicative only and cases are subject to full underwriting.