Advice: Income Protection / Insurance
Hiya, I’m after some advice regarding income insurance. I’m due to start working as a grad paramedic next month so have started to set things up for my future.
After having friends in the job retire early due to injuries and PTSD, I’m in the process of setting up income / TPD insurance for myself, however it’s always the health questionnaires that worry me for the same reason.
My question is - If someone had childhood depression as a teenager (approx 10 years ago) that was managed and resolved after a year with no further management needed or symptoms since, will insurance companies still cover for things such as PTSD later down the track? (by then, it would be at least 20+ years since last sx/mx) or am I essentially wasting my money for something that I may have an exclusion for due to a teenage issue? I am working with a financial advisor but would also like some advice from others who are in the job or have been in the same circumstance.
Thank you!