Life insurance - can't get cover

[FlyingUnicorn1]

Wasn't really sure which topic to post in but wondering if anyone has been in a similar situation and can advise.

I think the reason I can't get cover is due to a suicide attempt 3 years ago. Does any one know if I'll ever be able to get cover or how many years after the event I will be able to get cover.

Mortgage adviser suggested it would be a good idea to get it so not really sure what to do if no one will cover me?

www.reassured.co.uk/blog/life-insurance-suicide/

See an indepndent financial advisor with access to the whole market, they can speak to underwriters pre application to get an idea of whether you may be covered.

The insurer that I worked at would autmatically decline if there was a suicide attempt in the last 5 years.

Thank you both very helpful.

Is the insurance premium likely to be ridiculously high if I try to get some after 5 years have passed?

Also do you know if it's possible that I can get out a policy that covers me for illnesses if I break a bone or have a car accident or something that puts me out of work for a bit?

You could try and find an accident / income protection that doesn't ask for medical history. MetLife do one but I'm not sure if the payout is worth it.

There may well be a premium loading, dependent on whether you have ongoing treatment e.g antidepressants, have been admitted as an inpatient, see a psycharist etc.

Yes it could affect whether you can get an income protection policy, particularly if you are still suffering from MH problems as that could seriously increase your likelihood of time off work (I hope you are doing better now by the way ). Again an IFA can advise on this, and it's possible to have exclusions applied to such policies.

Yes as MrsPussinBoots says, there are budget style "accident/sickness" policies sometimes called mortgage payment protection (as opposed to the full fat "income protection" policies) which may be more obtainable however they usually only payout for a limited term e.g. 12 months or 24 months.

Thanks again for your comments.

I think I'd prefer to have one that excludes the anxiety/depression altogether. I've never had time off work for it and it's well under control now.

I will see if I can make some enquiries tomorrow and see what they can do.