Hi G, That does seem quite a lot for mortgage protection life cover. I can only presume there was a large loading on your side for the depression disclosure. Before going back to your existing insurer, I would try every insurance company on the market for an alternative. Gather as much detail as you can on your illness (what medication you are taking, if you are seeing a therapist etc.). Not all life insurance companies react the same to an illness disclosure and I have often found their decision on loadings to be 'fluid' and underwriters open to persuasion if you can make a strong enough case to them. I have found New Ireland to be good when it comes to medical underwriting. There are also specialist life companies on the market such as Pulse that your broker can try. Best of luck with it.