If a specific question is asked on the application form regarding previous health issues, you will have to answer honestly. The decision will be made by the insurance company with regard to loading,possibly considering Dr report or medical. Bottom line, if you neglect to be truthfull on the application and the unfortunate event that a claim is required, the payment may not be paid out. Perhaps you could apply to a few companies at the same time and you are in a better position to make a decision on your mortgage protection.