Hi Josie68,

It is likely that on this application that the insurer is going to ask to see the GP's report and once they see that there are tests they will want to know the results of the tests before making any decisions whether to insure or at what additional premium to insure at.

I would at least wait until you have the results back from the tests and then i would approach a mortgage broker or a financial adviser. They can speak to several different providers on your behalf and teast the groud before making an application. This way you can be best placed where you have the best chance of success with the application.

Good Luck

Hi Zeb

Thank you for that reply. I met with my GP regarding this report and he said there were quite a few health issues over the past 10 years that would create problems for me in terms of getting life insurance. These include my worries about my own alcohol consumption. I really wanted to get some councelling for this and as I was made redundant 3 years ago....I needed free therapy. The only way I could see of getting free help was to get my GP to refer me to the local Addictions Unit as a weekly out patient. I asked him to do this and I attended for 6 weeks and was able to stop drinking for 6 months (2 years ago) and now rarely drink alcohol and if I do I do so sensibly.

I also visited my GP when I thought my period pains were too painful. I was worried that I may have had polycystic ovaries?? So he referred me to have a pelvic scan. I have had this scan but they would like me to go back and be scanned again in December. Also at this time I was having what felt like really severe indigestion pains in my upper abdomen and now I will be scanned for that at the same time in December.

You may be thinking that I'm a bit of a hypochondriac (sp?) and yes I do admit I worry about my health and look up symptoms on the internet. However I have heard of people having big health issues that were not noticed by GPs and think that its best to get these worries addressed and have peace of mind.

What would you suggest? Should I wait at least until the scan results and then go from there?

Kind regards

The cliche is always going to be "Can you afford not to take out the insurance?" If you don't have insurance and you die then the house will be sold to pay the mortgage off leaving your son what ever is left.

You said that you put the insurance in place for a specific reason previously and from what you are saying, this specific reason still stands but it could be issues with your health that may stop the insurance being put in place.

I am not an insurance underwriter and would never pretend that I know how this breed of animal works but from past experience I would say that the fact that you are taking medication for potential depression does not mean that you will be declined outright. There is so much more understanding about medical conditions and illnesses now than there was even just 5 or 10 years ago. In many cases where someone had been diagnosed with cancer it was unlikely even just 10 years ago that you could ever get life assurance again and yet I have recently just gained a new life policy for someone who had breast cancer only 8 years ago...and there was no addtional loading on the premium. Depression now has a far better understanding tha even a few years ago and is far better managed now than a few years ago where the stock answer was Tamazipan or some other heavy anti depressant and it is now the most common ailment that people see their GP about nowadays and is often treated with just a good dose of healthy exercise (I do not pretend that this is the only methiod of treatment)

Having just spoken to one of the life companies I use they have told me that often if your condition is well controlled and assuming you have no other medical issues or complications that could be linked to the medication or other medical problems you may have then there should be no issue with gaining life cover although you may have some problems with getting critical illness cover. If it is just the house you are trying to protect (with a little extra for income) in the event of your death and you do not requirte the critical illness then i would speak to the insurance company again.

It may also be advisable to speak to a mortgage broker or financial adviser regarding your needs and they may be able to place it in a better order for you plus they can also look at putting the policy into trust for you

If protection your house is important to you and made you feel that the house was secured for your son then I would definitely look to put in back in place again. I would approach the life assurance company again and let them do what they need to do so far as getting the GP report. It may possibly end up in a decline but unless you are planning on applying for more life assurances over the next few years then this decline is not really going to matter too much, it may end up with an exclusion to certain events for the policy, it may be that the copmpany places an additional loading onto the premium to cover any addtional risk they think you may pose but it will always come down to the fact of whether you want to keeop the protection on the property or not and if it is that important then the cost (within reason) will not matter.

Good Luck, let me know how you get on

Hi

I've recently let my life insurance policy lapse and I feel so stupid as I am now having serious difficulty getting a new policy in place. It's basically to cover my mortgage should I die during its term. I had always felt such peace of mind knowing that if I was to die early, my son would at least have my house to rent out and provide a small income until he was 18 and could then choose what to do himself.

I signed a consent form for a company to contact my GP for a report and then made an appointment to see my GP. He had my file and advised me not to apply for this policy as I would probably be refused. I have been taking antidepressants off and on for the past 11 years. I don't feel that I am depressed but the withdrawal symptoms coming off the medication are a little unsettling so I just keep taking them. The doctor continues to prescribe them and has never suggested any alternative for me.

There have been other minor health issues over the past 10 years. I really need to find some company who will insure me. Does anyone have any suggestions?