A finite-element analysis (FEA) model of an intact lumbar disc-body unit was generated. The vertebral body of the FEA model consisted of a solid tetrahedral core of trabecular bone surrounded by a cortical shell. The disc consisted of an incompressible nucleus surrounded by nonlinear annulus fibers embedded in a solid ground substance. The purpose was to create a FEA model suitable for clinical purposes as fracture assessment, instrumentation with pedicle screws, and bone remodeling. Testing of the FEA model was performed nonlinear for a number of loading conditions, and the results were compared with experimental data from the literature. The results showed good agreement. The formulation of the FEA model can be justified for the tested loading conditions.