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Post by shelalovescharly on Apr 8, 2009 20:02:06 GMT
Can anyone help me? I am going to have to phone my life insurance tomorrow as I just read through policy and I need to inform them of any changes. As I have just had my dx for ADHD I am worried they will not want to insure me. When I was taking out the policy and they asked about mental health I told them i was on prozac for 2 years after my brothers suicide and I had to get a letter from my doc saying i was off it and basically of sound mind.. (yeah right!!!) Is there a problem with adhd and life insurance? I am not looking for problems but would like to be informed before i call them tomorrow.
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Post by adhddirect on Apr 9, 2009 14:39:40 GMT
Hello Shelalovescharly, I spoke with an under writer from Standard Life who basically said these things are decided on a case by case basis. A person with a diagnosis of adhd on it's own without any other comorbidity will not necessarily pay a higher premium. However, adhd with depression, ocd or bipolar disorder or some other major comorbidity is likely to mean a higher premium. Could not find out too much about this. I've attached a link to one paper that may be of some interest. www.aaimedicine.org/journal-of-insurance-medicine/jim/2003/035-01-0051.pdf Why don't you phone them anonymously and say you're thinking about taking out life assurance and wondered if the premium would be influenced by you having a diagnosis of adhd. Gordon
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Post by shelalovescharly on Apr 10, 2009 10:45:42 GMT
Yes I will do that. It was just such a hassle before trying to get it and I thought I was going to be refused. I will let you know how I get on.. (when I get round to it 'cos today my enthusiasm has got up and gone!!)
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Post by Deleted on Sept 9, 2010 11:11:24 GMT
Hi all, i recently been diagnosed with adult adhd and ive found this post very interest, it has also got me wondering if adhd could make getting a mortgage difficult or could they refuse to give you one. Also how does any one know how much you car insurance premium will go up by ?
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