Mental health and life insurance - who knew?

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We're arranging life cover for a mortgage we'll hopefully be taking out soon. According to our IFA, apparently my premium will be higher than usual because I am currently taking an antidepressant (reactive depression, following two miscarriages in less than 6 months last year).

Am I being naive to be at this? I have not had a single day off work due to this condition, I don't have any symptoms now, and I'm in the maintenance dose phase - I'm planning to come off it in the New Year. Why on earth am I a higher insurance risk?

Has anyone else had this experience?

I'd presume because depression = higher suicide risk?

I wondered that, but I'm not suicidal... also I thought that policies didn't pay out on suicide, but that might just be a plot I picked up from some novel or something!

My friend can't get cover for her mortgage at all, because she was hospitalised as a teen with anorexia. About 15 years ago now.

Blimey Rilla - that's a bit rough.

I wonder if anyone has ever challenged this under the Equality Act/ its precursors?

I pay a much higher life insurance premium because I admitted on the forms that i used to drink more than the recomended limits, and that id been to the doctor about it. I had to have a liver function test even though i hadn't had a drink in over two years!

The insurance company did say though that I can reapply in a couple of years and my premium will go down considerably - maybe it would be the same for you?

It might be Housewife - I've done that in the past when I stopped smoking, maybe this will be the same, fingers crossed.

Dh has a minor back condition and pays triple what I do. Because he has regular check ups. This condition wouldn't kill him or even disable him.
Broker said that if he didn't ever get it checked it would be ok.

Yeah. It's because she was sectioned, basically. But it seems bonkers to me that something from so long ago - since then she has been to uni, worked solidly, got married etc - can still be given so much weight when it is not an issue any more.

Dh is uninsurable. Worth googling for the 'specialist' insurers that Mind recommend, but even they won't touch dh.

I had problems with this too and pay an arm and a leg. Dh was uninsurable for ages due to poor medical history including epilepsy and kidney problems but we managed to get insurance through Scottish provident and the loading on my portion isn't too appalling

Try being a vet we are about to top ourselves according to insurance companies. Actually they don't mind it if we are successful what they hate the idea of us messing it up and needing long term support.