Life Assurance and Anxiety

[franfhm]

Hi all,

I've recently applied for a life assurance policy due to having a mortgage, and was wondering whether any of you had problems with this?

When I was asked the question about suffering from anxiety, I answered truthfully and gave the reasons why I thought it was triggered (moving house and job - but I know inside its further than this, I'm anxious about everything these days) and the meds I take.

Sorry this has been niggling at me since I applied for it now and was wondering if any of you had experiences with this kind of stuff as I'm concerned they may turn down my application.

Thanks,
Fran

[nomorepanic]

Fran

My payments were doubled for 5 years as they read my medical notes and said I was "at a higher risk cos I suffered with depression".

I found that an insult and appealed against it but they still increased my payments for 2 years.

No idea if they can still do this nowadays as this was a long time ago - 10 years or so.

Hope yours will be ok.

Oh and they also insisted I had a medical examination!

[franfhm]

Well I got a call from them today asking more about the problem and whether I'd had any suicidal or self harming thoughts (which I haven't thank god) so could answer no against that one. Also about the time off work I'd had to take due to it, which has been no more than a week (makes me kind of glad I've dragged myself in now).

I also explained the symptoms I get with it which is my upset stomachs. I should hear within a week or so whether I've been accepted or not.

I hate these things it makes you feel turned inside out sometimes.

[jo61]

I've not had a problem with mortgage as I wasn't suffering when we took out our mortgage, 20 years ago!! However, with my travel insurance, I have to declare the condition and the premium doubles. However, I had to cancel a trip a couple of years ago so it was well worth it. Any insurance company doing a risk assessment has to take any medical condition into account.