Mortgage protection/life insurance

[hulahoop09]

Hiya

Okay so we have applied with another company as halifax were too high. They have called back saying the medical underwriters have asked for more info in a few areas. Now I hace had depression but I am out of depression but they asked if had any episodes in 5 yers which I havent so to speak but have been to see gp about low moods and feeling down when situations around me have got hard. Also i have mild fibromyalgia diagnosed earlier this yr but could have had for years which is why all general aches pains etc. and have had other minor issues. I am worried they are probably gonna reject me!

Anyone had similar problem but its gone through okay?

Xx

 

[Rachel_C]

Anything life threatening? It sounds like they're just checking you're not taking out a mortgage knowing you will be 'using' the life insurance.

 

[hulahoop09]

Hiya hun. We have jad the mortgage for over 4 years its just mortgage and life protection with a new company. No nothing life threatening. Depression (had meds and counselling, no suicide attempt or thoughts - im scared of dying so will do all i can to stay alive lol), ibs, fibromyalgia, a freckle bled but nothing serious gp said its a healthy looking one. Vitamin d deficiency. Water infection, couple episodes of high bp and sciatica all in pregnancy. Think thats it. Lol.

 

[My_First]

I went through massive problem with this with two things. One I tried to kill myself twice, (ended up in hospital and so on my medical record) and 2 I overdosed on Cocaine years and years ago, however its still on my records and so I couldn't say I have never taken drugs.

That said, we found one company who accepted us for Life Assurance, with clauses if death was caused by drugs or depression they woudnt pay out. I think thats all they will do, put clauses in it for you. Depression is so common, they have to take it into consideration.

 

[hulahoop09]

Thanks. I havent been in depression for ages although have had periods of low mood etc. Never aby suicides or overdose etc. I am on antidepressants but for ibs and fibromyalgia. Lol. Will premium increase by much?

 

[My_First]

Well ours is a joint one for and it's 35 a month I think for 200k payout. I think mine was an extreme situation. I think they will ask the dr what they think of the situation, ie coping ok etc. ( I also had that) and the dr said I was fine. Also shop around though. Maybe try an independent advisor as they have access to many more products that we can necessarily get.

 

[hulahoop09]

Thanks. Ours is with lv and is approx 30 less than we pay atm. Hubby also wants a redundancy cover which i will pay extra for elsewhere. Xx