Denied life insurance because of PND

We tried to organise life insurance via an ifa earlier this year and was also declined on the basis of mental health (suicide attempt when I was 15). I'm 41 now. Not sure about "shopping around". The issue with life insurance, I found, was the process takes an absolute age. The insurer was recommended after pre screening by an ifa, I spent an hour on the phone going through their questions for it to be declined. I can't do that for every insurer out there on the off chance one might accept me.

I've taken out a small lump sum, guaranteed acceptance thing via my trade union. It's much smaller than the life insurance I was looking for but better than nothing.

Exactly
Must be so many

I think it's not widely recognised how hard it can be to get life insurance and how easily excluded people can be. We really struggled for my partner as he had depression, although it was well controlled and he had never attempted suicide. There must be millions who fall into that category.

My policy is with L & G. As I said previously it is considerably more expensive than the average.

I had pnd whilst I got life insurance about 6 years ago. I used a broker (I want to say caspian) who were great. I redid it after I had my second through then again and they got it for slightly cheaper than I had been paying initially. I have 3 policies with Scottish widows for about £27 per month and was with aviva before them. They won't pay out for suicide but I think that's fairly common whoever you're with.

I’m surprised anyone says they’ve got it - I got refused by aviva even with a doctor’s letter stating my mental health had been stable for years. I was trying for critical illness/income protection rather than life insurance but even a specialist broker couldn’t find any provider who’d have me. I’ve just accepted it’s impossible

I was flat out refused for mental health issues too.
I did get insurance through a broker in the end.

I'm in the same situation, watching for some recommendations.

I thought it was fairly normal
I've just gone without.

Guardian should be able to provide cover but I'm not sure if you can go to them direct or if you need to go through a broker. Someone will provide you with cover with exclusions. Most likely some will need a Gp report before offering terms.

Just keep shopping around. You will get some cover.

Try another provider. I have a lifelong mental health issue, history of attempted suicide and multiple bouts of PND and I got term insurance no problem . It has just cost double that offered to my DH. Insurance companies will accept pretty much anyone if you pay the right price.

I can't get life insurance either because of a history of mental health issues. I think there are specialist providers out there.

Another vote for Aviva, not quite the same, but my car insurance with them is much lower than anyone else as they 'right off' anything which happened more than 5 years ago, I had a minor accident 6 years ago. So am guessing they also apply this to their other insurances?

I can't seem to find one that doesn't want my whole disposable income because I have adhd

Aviva only ask about the past 5 years, I got mine with them after having issues with some other companies.

When you say 'self harmed' are they logged on your records as suicide attempts?

I had PND with my first 8 yeats ago, and we have critical illness cover and life insurance through standard life. I think its about £40 a month for me and my husband. We also both have pre existing health conditions (auto immune conditions)

Surely you could get it with exclusions?