suicidal thoughts?

Is it possible to take out life insurance and critical illness cover if I regularly have suicidal thoughts?

If, once you’ve read this case study, you’d like to talk through your situation, please call 0800 644 4468 

Monday to Thursday from 09.00 to 19.00 and on Friday between 09.00 and 17.00.

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.

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Our client

Our client a 27 year old lady, was looking for life insurance and critical illness cover to provide financial protection for her mortgage in the event of her death or being diagnosed with a critical illness.

She informed us that she has ongoing depression with suicidal thoughts on a regular basis and that she often sees a psychiatrist.  Recently, she took time off work due to her depression. However, it is important to note that whilst our client has had suicidal thoughts and episodes of suicidal idealisation, she has never actually planned or attempted suicide or self harm.

The Outcome

Most insurers would not be able to offer life insurance due to the recent and ongoing thoughts, however one company was able to offer life and critical illness cover with a 100% increase. Had she planned or attempted suicide within the last year then the outcome would have been different. Therefore our client was able to arrange £150,000 of decreasing life cover and £20,000 life and critical illness cover for less than £20 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.

Interested in related stories?

Next steps

Whilst you are welcome to get a quote on-line we would recommend you talk to one of our advisers.

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

An on-line 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, or read about the team at Future Proof.

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Take a look at our handy guides ‘What Cover is Right for me?’

Do you suffer with a medical condition and concerned you can’t secure Life Insurance?  Please view our ‘Medical Guides’ for further information.

Whilst we will make every endeavour to help someone to arrange insurance, there is no guarantee of success.  All applications are subject to underwriting.

Get a Quote

For more information or help:

If you’re feeling like you want to die, it’s important to tell someone.

Help and support is available right now if you need it. You don’t have to struggle with difficult feelings alone.

The Samaritans – for everyone 
Call 116 123

Campaign Against Living Miserably (CALM) – for men
Call 0800 58 58 58 – 5pm to midnight every day

Papyrus – for people under 35
Call 0800 068 41 41 – Monday to Friday 10am to 10pm, weekends 2pm to 10pm, bank holidays 2pm to 5pm
Text 07786 209697

Childline – for children and young people under 19
Call 0800 1111 – the number won’t show up on your phone bill

The Silver Line – for older people
Call 0800 4 70 80 90

Rehab4addiction – Helping you find the addiction rehab

Call 0800 140 4690

Client ID: 131399718

Links to third-party websites exist for information only. We accept no responsibility or liability for the information contained on any such sites.
The existence of a link to another website does not imply or express endorsement of its provider, products or services by us or St. James’s Place.

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