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Life insurance

Funnyday

Funnyday

Well-known member
Joined
Oct 15, 2016
Messages
624
Anyone with Schizophrenia managed to take out life insurance? I just tried Beaglestreet and they turned me down. I want to be able to leave something to my children. It looks like it won't be much.
 
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Worriedyin

Well-known member
Joined
Oct 2, 2019
Messages
760
Location
UK
Just wanted to give this thread a bump as last time I considered getting life insurance I really struggled to find a provider in the UK.

Any ideas or suggestions.
 
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Worriedyin

Well-known member
Joined
Oct 2, 2019
Messages
760
Location
UK
Just been rejected by a second provider after having them request a GP report which took a few weeks to be sorted.

The broker is going to try again with a different provider with a higher premium.
 
Funnyday

Funnyday

Well-known member
Joined
Oct 15, 2016
Messages
624
I gave up looking for insurance. I just couldn't get accepted due to type 2 Diabetes and Schizophrenia. So I'm going to wait till I'm 50 and get covered with British Seniors. They accept anyone for life cover who is over 50 years old. They seem the best provider that I've found.
 
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Worriedyin

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Joined
Oct 2, 2019
Messages
760
Location
UK
I gave up looking for insurance. I just couldn't get accepted due to type 2 Diabetes and Schizophrenia. So I'm going to wait till I'm 50 and get covered with British Seniors. They accept anyone for life cover who is over 50 years old. They seem the best provider that I've found.
I have eubpd and cant get life insurance and believe you me I've tried everything
I would have quite a while to wait until I could get 'Senior' life insurance...

Last time I got approved for a mortgage I couldn't find life insurance, and that was just when I had depression and had never been under a CMHT nor been an inpatient.

Doesn't feel very fair!

I will report back once I've heard from this new potential provider and if still no joy, will see if I can get any advice from the CAB or similar as it's pretty clear discrimination imo.
 
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Worriedyin

Well-known member
Joined
Oct 2, 2019
Messages
760
Location
UK
Just to say, the broker I'm using is an online one that I found, UK based, through their page specifically on providing insurance for people with preexisting MH problems. I haven't even attempted to go via the normal route.

Also just as an FYI I'm not able to work full time so the mortgage concern isn't really relevant just now, just a dream (normal life ambition) - but if I can't get covered, does that mean that even if I fully recover I will never be able to get a mortgage? Is this like a known problem? Surely that can't be right?
 
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