Hey Nick, My girlfriend had an eating disorder (bulimia) in the past. She’s grand now but has been declined by two insurance companies recently. Can you help her get cover? We’ve just had a baby and are buying our first house so we need mortgage protection. We never knew it would cause such a problem. Thanks in advance, Graham.
Yes, you can get life insurance cover if you’ve suffered from an eating disorder like anorexia or bulimia in the past.
If you’re currently experiencing symptoms, the insurer will make a decision based on your medical report.
We can help you find the most sympathetic insurer for your condition.
The most important factors the underwriters look for when assessing an application for life insurance with an eating disorder are:
It’s hard to say as the underwriters work on a case by case basis but generally, the increase in premium will be +50% to +100% extra on the standard price.
If there have been complications related to your eating disorder, your price will be higher.
Maintain a healthy weight over the long term (at least 12 months). The insurers feel that the longer you are a healthy weight, the less chance of a relapse.
Do you have an eating disorder but you’re a little hesitant to talk about your health history?
Don’t worry, you’re not alone, we’ve helped a lot of people in similar situations.
If you’d like me to help, please complete this questionnaire and I can discuss your case in confidence with my panel of underwriters.
This means you avoid applying to companies who will refuse to insure you. or will offer cover at a ludicrous price.
By completing the questionnaire, you avoid wasting time and give yourself the best chance of getting cover.
If you’d prefer a quick chat first, please schedule a callback here.
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