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Depression and Life Insurance

A

andmil

New member
Joined
Apr 20, 2011
Messages
1
Hello

I have recently bought a house and am trying to get mortgage cover life insurance, I first had depression in 2004 for about a year and then have it again since july 2010 have been turned down by my bank and have put an application into Zurich they first came back with £45 per month but since filling in questionaire they are saying £75 a month, I have never attempted suicide, am wondering if anyone can give me advice on any companies that specialise in life insurance with depression many thanks :confused:
 
pentagram

pentagram

Well-known member
Joined
Nov 1, 2010
Messages
2,110
Location
Lake District
IMO insurance companies find as many loopholes as they can to deny you any insurance payments for anything they feel like. i just wouldn't
have bothered telling them anything about your depression in the first place.

Sounds like bullshit to me anyway, I thought life insurance wouldn't pay out if you commit suicide so why are the premiums higher, if anything they ought to be lower. Since they say that at least 20 % of the people in the country suffer from depression or mental illness of some sort at some point in their lives do you think that after signing up for ins most people tell them if they'd had depression, I doubt it.

Life insurance went up for gay people when Aids came out but has now gone down again since it has been obvious that most gays do not get Aids.
I was conned into L/I when I bought a house despite the fact that I am single and have no (and will never have ) any children to look after when I kick the bucket.

If you really want L/I I'd just go to another insurer and tell them nowt.
 
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bobshocker

bobshocker

ACCOUNT CLOSED
Joined
Mar 13, 2011
Messages
2,500
Location
UK
yep, they got ya by the kahunas.
if you didnt tell em, and you snuffed it, theyd get your history and wouldnt pay.
i suppose they could argue that if you died in a car accident, you may have been driving recklessely as a result of depression.
at***********************************************************************************

but us little people just got a try and get by, and fingers crossed we never need to make a claim.
 
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