Refused life insurance!!!

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Date Joined Jan 2006
Total Posts : 703
   Posted 1/4/2008 1:31 AM (GMT -6)   
My husband and i had to claim bankcrupcy, we found someone willing to help us get a mortgage and buy a new home, he is a broker and it;s really a long story but we had the option to apply for life insurance through mutual life and i was rejected do to my ongoing back pain issues and treatment for depression. So i called them today to confirm my reason for being rejected and the lady said exactly that, so i said well if i did not have chronic back pain and being treated for depression that i would get the policy approved and she said yes basically, my rebuttle was is that not discrimination and she admitted that it was but there is certain things that they can and cannot insure and that there is nothing that she could do to override there decision. So i called that broker place and explained the situation and they said that it is only optional and i don;t really need it to complete the deal with them but if i wanted i can try another insurance company, If Mutal Life won;t accept who would?? I said to my husband that is what i get for being truthful i guess but as a joke i said i should have lied on the paper work but i wouldn;t have anyway i just think that it is not right to be refused for reasons such as I mentioned. Thanks for letting me vent, wondering if anyone else has run into this type of rejection because of Depression, chronic pain etc. Take care all Twiggy2

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Date Joined Jan 2006
Total Posts : 2408
   Posted 1/4/2008 3:40 AM (GMT -6)   

Hi there,

I have not had this problem with Depression but have done with other things and I think the insurance company is within the law. (I am not sure about US law). If they believe that the policy is too higher risk for them to take (I.E there is a higher chance that something will happen and you will claim) they can refuse the policy or charge a higher price for it. Shop around... there nay be specialist brokers who give out such policies rather than using a general broker.


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Date Joined Sep 2007
Total Posts : 42612
   Posted 1/4/2008 11:59 AM (GMT -6)   
I too have been rejected just for taking depression meds. I just let it go. But I too need to get a life insurance policy, you never know what is going to happen from one day to the next. So if you do get a policy that accepts you, let me know. I will look for that one. If I find something I will let you know.

It makes you wonder if you should be truthful. It does seem like discrimination to me. I also have fibromyalgia which isn't fatal. So what is up with that?

Good luck, and keep us posted.

fibromyalgia, chronic fatigue, clinically depressed and allergies

Regular Member

Date Joined Jul 2007
Total Posts : 144
   Posted 1/4/2008 11:35 PM (GMT -6)   
I have been rejected for disability and life insurance due to taking depression medications. Was able to get insurance via company benefit plan, not as much insurance as I would like,but it did not require a medical exam or any questions re medical history.

Veteran Member

Date Joined Jan 2006
Total Posts : 703
   Posted 1/5/2008 5:39 AM (GMT -6)   
Thanks for your posts, i do inderstand that there is a risk factor with people who have depressive symtoms and other medical problems eg. chronic pain and that is why most companies will not hold life insurance but i still do not agree with it totally. Also to i have been denied for disablity as they say that i too donot meet the criteria as someone with a substantial reccurent condition even though that i have daily chronic back pain, somedays good somedays bad, and still being treated for depression/anxiety/ptsd, to me that is ongoing and recurrent> I am still in the process of appealling the SBT and my pysch doc is going to help me. Did they actually explain that you were refused disablity because you were or are currently taking meds. Anyway i will keep you updated and thanks again.
It's almost as if they are saying well you are depressed, but not taking meds that they would give  you disablity, hows does that make sense? Do they think because were on meds that our condition is under control and we don;t experience mood changes etc. The insurance woman i asked me guestions like how long have i been treated for depression in my opinion was my condition stable, was i still seeking treatment etc, i answered honsestly yes to all the questions and explained that even though i am under medical treatment that i am for the most part ok however still experience emotional times just like anyone would under certain curcumstances but niether here nor there i was still denied the insurance, but still going to continue my journey with disablity in hopes that something will catch there attention and they will change there decision. Sorry for this post being so long :-) :-) better days ahead for everyone. Take care Twiggy2

Post Edited (Twiggy2) : 1/5/2008 4:08:24 AM (GMT-7)

Elite Member

Date Joined Apr 2007
Total Posts : 32602
   Posted 1/5/2008 3:27 PM (GMT -6)   

Hey Twiggy,

I bought a life insurance policy years ago and I was able to buy the policy but not accidential death rider................because of the depression and being under the care of a physician for this dx.  I guess they thought I was a risk..............Here I am all  these years later redface

I felt like a criminal at the time.  I never even explained it to my hubby. I was ashamed.

Hugs to you


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