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 meetings for the last 2 years.

Due to the combination of our client’s medical history, all ‘high street’ providers could not 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 that 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 of 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.

Next steps

Whilst you are welcome to get a quote online, we recommend you talk to one of our advisers.

Any quote that your adviser provides you with will take into account your circumstances, your medical history, as well as your budget!

An online quote is just that – a quote – it isn’t a definite offer of cover. What really matters is the premium you are offered, after your application has been assessed.

Call Freephone 0800 644 4468 – Monday to Thursday from 09.00 to 19.00 and on Friday between 09.00 and 17.00.

Please feel free to read our Independent client reviews

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