Mental health's impact on underwriting

But the twist is that mental health permeates much more than just work lives, when applying for protection an adviser will have to ask about a consumer's mental health history. Invariably along this path, the questioning will turn to "have you ever had thoughts of, or attempted, suicide?" These questions aren't just generic background checks, the answers pertaining to a person's mental health can have a dramatic impact on the cover they will receive, exclusions put in place by providers and the cost of their cover. Kathryn Knowles, managing director, Cura Financial Services, said: "Th...