What additional medical information is needed when making an application for life insurance when I’m currently living with depression?
An insurance underwriter would need to know your formal mental health diagnosis (if you have one), when you were first diagnosed, what is your current treatment strategy and how successful have you been keeping to it.
Other key issues might include information about:
- How does it affect your daily life or your ability to work and earn an income?
- Were there any major mental health episodes that may have occurred in the last 12 months to 5 years?
- Is there any history of self harm?
- Were illegal drugs involved in a mental health condition?
- Was the environment a contributor to a mental health condition?
- Your mental health history, any formal diagnosis you may have received and any medications you make be using to help manage your health, and
- Wether you have any associated or co-occurring health conditions?
- When did you become symptom and treatment free?
