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refused Life Insurance for mortgage

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Old 09-23-2006, 04:36 AM   #1
Join Date: Sep 2006
Location: England
Posts: 305
NutshellNutter HB User
refused Life Insurance for mortgage

I have recently been declined for life insurance for my mortgage becuase of my previous diagnosis of Major Depression. One company refused me point blank and the other will not cover me for critical illness - only for death.

Just wondering what the change of my diagnosis to BP will mean for life insurance. I haven't applied again yet, but part of me doesn't even see the point.

Has anyone any experience of gettinf life insurance having a mental illness?


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Old 09-29-2006, 04:22 AM   #2
Senior Veteran
Join Date: Nov 2002
Location: Bean Station, TN, usa
Posts: 2,188
mudhound HB User
Re: refused Life Insurance for mortgage

Getting any life plan or health plan can be hard with a dio of BP.
It is not impossible. You may just have to try several places or use a broker who has access to several diff carriers.
God Bless


Old 09-29-2006, 04:29 AM   #3
Join Date: Sep 2006
Location: london uk
Posts: 337
jgr01 HB User
Re: refused Life Insurance for mortgage

Hi Nutshell,

yes, I have been refused when I bought this house. Well, not totally refused. I had a doctor at the time who showed me my psych notes that the insurers had seen and annotated. Of course I had attempted suicide and taken street drugs. So all point blankly refused, but one did offer £735 per month for the first 5 years and then £335 for the rest of the term!!!!!!! I was going to go back recently since it has been 6 years since my diagnosis of BP. But now I'm going back to a unit next week very possibly, which I guess won't help. However, I have seen sites/insurers set up especially for BP and insurance


maybe you could check this out?

Old 10-26-2006, 02:38 AM   #4
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Join Date: Oct 2006
Location: Australia
Posts: 133
munchie11 HB User
Re: refused Life Insurance for mortgage

Hello nutshell

I also was refused life insurance due to bp. I do not know of anyone who will insure me. I felt like crying.

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