Life Assurance – mental health


My daughter and her husband have recently married and are in the process of buying their first home. They are applying for a mortgage of £180,000 and will be wanting to take out life assurance to cover this sum,

My daughter was diagnosed with OCD in December 2016. She had a course of Cognitive Behavioural Therapy sessions on the NHS until August 2017. She has never needed medication for it, has never needed time off work and manages it well. She has never attempted suicide.

I understand that OCD is a medically recognised disorder and that she will need to declare it when she applies for life assurance. Is anyone here able to tell me if there are any companies more likely to accept her for a policy? Or are there any brokers here who have experience of getting policies for clients with mental health issues, especially OCD, who may be able to offer help? I’m just trying to do some research to try and avoid her applying and getting turned down.

Last edited by marmitemum; Today at 6:30 PM.


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