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NS Insurance Feature The Insurance Surgery’s Head of Sales and Operations 04/07/2019 8:58am 12 days ago

Our Head of Sales and operations, Eli Lycett was recently featured in an article by NS Insurance about the impact of mental health conditions on life insurance.

It is unfortunate that if you suffer, or have suffered, from a mental health condition, then your premiums will be considerably more expensive than someone who does not suffer from mental health issues. However, there are ways to reduce your premiums through the use if exclusions. This is where a policy will exclude a certain health issue, i.e. suicide due to depression, which will reduce the monthly premiums. This is particularly helpful in a case where the mental health issues are historic and the risk of suicide is slim.

Eli says “A lot of these customers can be in a situation whereby these mental heath issues are truly in the past or they’re medicated for but there’s no impact on daily life.

“Despite this, they can be penalised based on the assumption that mental health issues mean suicide risk.

“One of the single biggest things people could do is place a suicide exclusion on policies, because that’s the risk that seems to flag up most”

We are passionate about helping people get the protection that they deserve, call 0800 083 2829 to see how we can help you.

To read the full article follow the link www.nsinsurance.com/news/mental-health-insurance/

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'The Insurance Surgery were so fantastic.' I have a complicated health history and always assumed I was ineligible for life insurance. I felt really comfortable talking to Andy and felt like he was giving me all the possible options that would work best for me and my family. Thank you! 4.8

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