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Should you pay substantially more for your life insurance policy if you have ever had any mental health issues? Given that one in four people face mental health challenges in their lifetime - it's an issue which affects millions of people. Tina applied for life insurance and critical illness cover online. She ticked the box that said she'd had a mental health issue and was shocked to see the price of her insurance premiums rise by 30% as a result. Paul Lewis speaks to Johnny Timpson, who is the insurance industry's "access champion" who works with the DWP to try to make the industry more accessible and also works for Scottish Widows. First broadcast on Money Box, 16 December 2018.