The outcome will then depend on their date of diagnosis, associated mental health, treatment and whether discharged from review or further investigations.
This is a general guide and is not a guarantee of acceptance.
Example | Scenario (Assumes BMI within normal limits, no to all other questions not specified and within maximum for sum assured and age limits) | Life Cover | Critical Illness Cover | TPD Cover |
---|---|---|---|---|
1 | Had thoughts of self harm 5 years ago, but no actual self harm; isolated event; no associated mental health symptoms or diagnosis. | Terms wouldn’t be offered | Standard | Terms wouldn’t be offered |
2 | Had thoughts of self harm 5 years ago, but no actual self harm; isolated event; history of treatment for anxiety. | Terms wouldn’t be offered | Terms wouldn’t be offered | Terms wouldn’t be offered |
Our Pre-Sales Underwriting Tool answers common pre-application enquiries and provides an instant, indicative underwriting decision.