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Life assurance application question

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  • 18-01-2010 5:26am
    #1
    saratoga
    Closed Accounts Posts: 3 ✭


    When applying for a mortgage, and filling out the life assurance application form, if you disclose details of a suicide attempt, in what way does this affect your application, either in relation to loading or indeed in relation to refusal to cover you? No diagnosis of any mental illness/depression was made, it was one-off event related, and it occurred almost a decade ago. I've since built a successful career, and made what I would call a complete recovery to the extent that to my mind it might as well have happened to a different person if you know what I mean. I suspect it'll require some kind of medical report or some such, but no hassle beyond that. Can someone in the know fill me in? Many thanks.


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    #2
    Andymfinancial
    Closed Accounts Posts: 60 ✭✭Andymfinancial


    You will have to complete an additional questionaire and they will write to your doctor for a report. If it was a one off it should not effect the application. Suicide is not covered on some policies anyway. Even if your life cover is rejected (which i am 99% sure it wont) the mortgage company cannot refuse you a mortgage on the basis that you cant get life cover.


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