depressed woman

Can I Get Life Insurance if I’ve been to rehab due to depression and alcoholism?

The background 

Our client is a 47 year old smoker who was looking for life insurance to protect his mortgage and to leave a lump sum for his partner if he passed away.

However, he has a history of mental health issues and was admitted to a private rehabilitation centre due to depression in 2008 where he received psychiatric treatment. Our client is also an alcoholic and has been attending AA meeting for the last 2 years.

Due to the combination of our client’s medical history, all ‘high street’ providers were unable to offer him cover.

Our process

When a client has a pre-existing condition, or has suffered a serious illness in the past, the first thing we do is pick up the phone. We speak to Underwriters at many of the UK’s leading Insurance companies. Discussing all of our client’s medical history helps us to identify the best company to apply to. This also means we avoid applying to companies who will end up being too expensive or worse, decline an application. By completing our research thoroughly, we are able to avoid wasting time and obtain the best terms possible for our clients.

An excellent outcome

Regardless our client’s history, being insurance specialists, we were able to help him arrange cover with an insurer we have access to. He now has a £40,000 life policy for a premium of £69.08 per month.

Please note that any premiums mentioned are indicative only and based on this specific case study/ example, which is shown for information purposes only. Your own circumstances will determine whether the amount payable is more or less than the figure quoted.