Depression Forums
Depression Related Forums => Depression Central => Topic started by: Simon123 on May 01, 2013, 09:29:50 PM
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Hi everyone, I hope you are all feeling good today.
Does anyone have any experience of getting Life Insurance with Depression? I have been turned down on the grounds of suicidal thoughts, which I get all the time but never act on them. According to broker, I have to be thought free for 2 years.
I am just wondering if, from anyones experience, its best to just not be so honest; after all they can't prove what I am thinking can they?
I am generally a SAD person who gets depressed in winter but will inevitably suffer suicidal thoughts before I get to the doctor to get some meds.
Any help/advice much appreciated.
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I wouldn't bother telling them, they don't pay out for suicide anyway do they?
Maddy
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It would appear they do or they wouldn't care. My argument was that as long as I dont die as a result of acting on those thoughts, its not really relevant. I don't think they saw it that way :o
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Oh I don't know then! I think it's none of their business anyway, thoughts are private and nothing to do with them x
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:bgrin:
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I got life insurance with a history of depression. They did ask me about it and I stated (as was correct at the time) I was worse around anniversaries related to my mums death.
They asked for documentation from my GP which I allowed, but were happy to accept me after that.
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Thanks for the info :-)