Mental health conditions such as Anorexia can have a variety of effects on life insurance underwriting depending on the severity of the condition and the cause. Anorexia life insurance will be based on whether you currently are suffering from any symptoms and whether the Anorexia has had any other effects on your health.
Information required by underwriters for Anorexia life insurance:
- The date you were diagnosed with Anorexia
- When did you last experience any symptoms of Anorexia
- What impact does your condition have on you day to day
- Have you seen a psychiatrist or counsellor
- What impact your Anorexia has had on your health
Anorexia life insurance rates can vary from standard rates for someone not currently experiencing any symptoms or where the condition is well controlled, to heavier loadings or even decline where the condition is more severe and has had long lasting effects on your health. It is likely that underwriters will want to view a copy of your medical records for Anorexia life insurance to ensure that they have a full picture of your overall health to be able to assess your application accurately.
In some more severe cases for Anorexia life insurance where you have a BMI (Body Mass Index) of less than 17, you will generally find it difficult to get cover through the mainstream markets however there are more specialist insurers who would consider cover for you. Generally for Anorexia life insurance where the symptoms are still present and your BMI is below a certain level, your premiums will be increased slightly to reflect that increased risk.
If you have applied for Anorexia life insurance in the past and your application was declined or accepted with special terms then you should speak to one of our expert advisers.