It depends on your circumstances. We have arranged Life Cover for people with mental health issues including:

• Stress
• Anxiety
• Panic attacks
• PTSD
• Depression
• Clinical depression
• Mood swings
• Post natal depression
• Bi polar disorder
• Schizophrenia

We can help you by searching for insurance companies who are willing to offer Life Cover for people with your condition.

As well as basic personal information (such as height and weight) you can expect to be asked for medical information about your physical health as well as your mental health.

You will be asked for information about specific diagnoses, symptoms and treatments. Also, you can expect to be asked whether or not you have ever attempted suicide and to provide a relevant date(s).

It depends on the specifics of your situation. We will do our very best to find out what information will be required and to keep you informed.

The insurance company may wish to call you to ask a few questions. Often (though not always) the insurance company will wish to write to your GP to ask them some questions about your health.

For most mental health issues, clients aren't usually asked to attend a medical examination.

A medical exam can sometimes be requested for certain physical health conditions.

Until recently, it would have purely depended on the specific details of your circumstances, such as how many suicide attempts there have been, and how long ago they occurred. Even today, this is the situation with most (but not all) insurers:

• Where there has been one suicide attempt only and it occurred more than five years ago, then it is possible that you may still be offered life insurance (depending upon the other aspects of your health and situation).
• If there has been one suicide attempt and it has been within the last five years, it will be more difficult to find an offer of Life Cover. The situation could become more favourable once five years have elapsed since the suicide attempt.
• If there have been a number of suicide attempts, usually this will mean that it's impossible to obtain Life Insurance. However, if the suicide attempts took place a reasonably long time ago and occurred around the same time, there may be an insurance company who is willing to regard these as one incident, and they might consider offering cover.

The good news is that not all insurers follow the criteria listed above. Moneysworth now has a new Life Cover option available that's been specifically designed for people who have had a significant mental health event in the last five years. This new cover option is typically available at a more affordable price.

Do you qualify? Get a quote today to find out.

It is often still possible to obtain these types of insurance cover.

• For Critical Illness Cover, there may be a relatively minor exclusion for critical illness related to the mental health issue (there are not many illnesses excluded).
• For Income Protection Cover, there would usually be a more significant exclusion for mental health conditions. This is because mental health issues account for a significant percentage of income protection insurance claims.

Why? Because when insurance companies look at your condition and requirements, they don't always make the same decision.

If you were to ask just one or even a few insurers, how would you know if the terms you're being offered are really competitive? Also, if those insurers decline to offer you any cover, how would you know if other insurers in the market would make the same decision?

Moneysworth deals with insurance companies across the market, so asking us to find Life Insurance on your behalf could save you a lot of time and worry. This a real benefit if you want to feel confident that you're getting a really good outcome.

Before applying to insurers, we carefully examine the details of your circumstances. We have a wealth of experience in searching for Life Cover for people with health conditions, which means you'll get the best chance of finding life insurance with suitable premiums.

We've even developed special research processes designed to help you get a favourable result. So, by the time we apply, we already have a good idea of what the final outcome might be - and can usually give you an idea of the price as well.

If Moneysworth can't get you the cover you are seeking, it probably isn't possible to obtain.

We know (based on personal experience) the value of Life Insurance. It's one of the reasons that we're so dedicated to helping each and every client find the most suitable result.

Very few other companies are able to offer you the level of specialist knowledge and experience that our team has gained. Moneysworth has been successfully sourcing Life Insurance for people with health conditions for over 21 years.

Moneysworth provide a personal service for every client. Right from the beginning, you'll speak with a real expert. No endless telephone menu options or being passed around different departments.

We help you throughout the whole process, providing you with explanations along the way. We aim to make the journey as easy as possible for you, ensuring that you feel fully-informed.

Peace of mind is worth waiting for! Why writing to your GP is a good thing…

When a life insurance company writes for medical information from a doctor, they will need to wait until they get the information back in order to make a final underwriting decision. Inevitably, this means that it takes a while to get a final answer.

However, if the life insurance company receives medical information from your GP and decides to make you a definite offer of life insurance, you can feel safe in the knowledge that the insurance company has taken independent medical verification before offering the terms.

Why is it so important that the insurance company sees your medical information?

Well, providing that you have fully and honestly answered all the questions on the application form, you can feel confident that the cover is fit for purpose and – if the worst happens – the policy will pay out.

We believe that knowing the policy will pay out is the most important thing for all clients – especially if you already have a health condition.

Many people come to Moneysworth after being declined Life Cover elsewhere.

We're often successful in finding Life Cover for these people. Different life insurance companies often take differing positions on the same information. Our processes are designed to help identify where you can get the most favourable result.

There are cases when, despite our best efforts, we are unable to find cover – but usually we are able to find the cover you require.