TAL has extended its musculoskeletal underwriting education program to focus on spinal problems following neck pain.

It has developed tools to help advisers understand why underwriting exclusions apply in such circumstances, and show clients when they may be eligible for underwriting reviews.

The life insurer provides guidelines on managing neck pain and promoting spinal health, to help clients lead fulfilling lives.

TAL Musculoskeletal Manager Gavin Law says underwriting can be challenging when customers have a history of neck pain, because it can be caused by a number of disorders and involve any tissues in and around the neck.