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Is there a difference between how current and historical mental health issues are assessed by a life insurance company?

Yes. People living with current or active mental health issues can still be successful in applying for life insurance cover but would usually have a mental health exclusion clause applied to the policy.

Once they are living symptom and treatment free for a reasonable period of time, any mental health exclusion clause applied to an insurance policy can be reviewed and removed.

This is why you need to work with a specialist risk insurance adviser to find the best insurance application strategy for you and then work with you later for the best policy update and review strategy, as your health improves.

About Us

Unusualrisks.com.au provides support to those people who insurance companies leave behind. We believe in giving every person the power to use life insurance products to protect & provide for their loved ones, their businesses and their legacy — free from barriers of stigma and discrimination.

We know that, as an LGBTQIA+ person (or someone who goes without labels entirely), you have specific financial advice, life insurance and privacy needs.

We're committed to serving the LGBTQIA+ community and its Allies. For us, it's about #AdviceEquality.

Make us part of your story so should the unexpected happen to you or whoever is family to you, you'll have a backup plan in place to help you financially recover and life can still get better for somebody you love.

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from George St Sydney, NSW, Australia.
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Phone: 1300 137 403
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