Life insurance if obese

[Pob13]

I am really struggling to find anyone that will give me life insurance. I am 32, obese, diabetic and suffer from depression.
Any advice on where to look?

I'd recommend Speaking to a local whole of market adviser who can advise you. (I recommend that to everyone all the time anyway, but especially useful in situations like yours). There may be a loading on your premium but someone will insure you I am sure

Thanks outnumbered. Do you know if you have to get life insurance to get a mortgage? Im struggling to find a definite answer.

Do you know if you have to get life insurance to get a mortgage? Im struggling to find a definite answer
Have you thought about seeing an independent mortgage advisor??

We already have a mortgage and just my DH has insurance. Our mortgage is up for review and they have asked to see insurance details. Im hoping we can get away with just his again.

A good adviser will contact the underwriter to discuss your case it's a helpful way to get a pre underwriting decision

We've had a mortgage without life insurance before. It was Halifax.

You don't need life insurance. You need mortgage life insurance, which is something completely different.

You aren't required to have it, but a mortgage advisor will strongly recommend it and be pleased to sell it to you.

Whether or not you actually need life insurance depends on whether one party could afford the mortgage and any other commitments if the other died. Also consider what other payouts you might receive - if you have a pension, that would pay out if you died before pension age, usually twice your salary.

As well as thinking about whether either of you would be able to afford (and qualify for - if one party dies, I would expect that the bank at some point will need to rewrite all the paperwork in the name of a single borrower) the mortgage on your own it is also worth thinking about whether the higher earner could afford to carry on financially without the support of a lower earning partner if this is relevant - for example if one of you covers childcare, enabling the other to do a job that requires shifts, long hours, travel etc. On their own they might not be able to continue in such a job or might need huge childcare costs.

We don't have any life insurance and we have a small mortgage. But we don't have any DCs and both of us could afford to live on a single salary.

If you stay with the same insurance company they shouldn't ask.

Or take this as a wake up call to lose the weight?

Thanks all

We haven't got life insurance and got a mortgage about 18 months ago.
We are planning on sorting it out when we have a bit more free money.

The only insurance you are obliged to have when you have a mortgage is buildings insurance, but before taking on a commitment such as a mortgage you should explore the options regarding life insurance (and criticial illness, accident/sickness ).

A decent adviser will talk through all of this with you. Your requirements will obviously depend on whether you have children, whether one person can cover the costs of the mortgage alone, etc.

We do have life insurance but weren't asked if we do when we took out our mortgage with Halifax.