Income protection

[jennielouises]

Has anyone else had issues getting income protection? I need some but I always get declined as I have anxiety/depression as well as GORD. Any tips?

I spoke to a broker but even he thinks I will be declined or at best, have a loaded policy. Help!

[mezzaninedoor]

The only thing you can do really is to apply to multiple companies in the hope that some of them dont load the policies, some dont.
You need to be honest about medication and condition and then the actuarial tables will come into play, problem is that Insurance is all about statistics and expected outcomes and our outcomes are not great statistically.

This may help:-
https://www.mind.org.uk/information-support/guides-to-support-and-services/insurance-cover-and-mental-health/#.Wlz4yK5l90w