Skip links

Mental Health Life Insurance & Children’s Mental Health Week

This week is Children’s Mental Health Week 2022. From the 7th-13th February, the mental health charity Place2Be has teamed up with Bafta Kids to shine a spotlight on the importance of children and young people’s mental health.

Launched in 2015, Children’s Mental Health Week is now in its 8th year of encouraging more people than ever to get involved and spread the word.

This year’s theme is “Growing Together” and the focus is on encouraging you to consider how you’ve grown, and how you can help others to grow. Place2Be encourages children (and adults) to consider how they have grown and how they can help others to grow.

Having open discussions as a family can help your children feel they can speak to you easily about any issues they might be having. This week is the perfect time to make a change and get everyone talking.

The website has free resources to use in school, at home, for online lessons or independent learning. Place2Be have also organised two special virtual assemblies, hosted by celebrity guests.

Mental Health in Schools

Children and young people’s mental health has never been more important, particularly following the coronavirus pandemic. After almost two years of school disruption during lockdown, children have been getting used to returning to their classrooms.

Although they adapted well, children have missed out on essentially two years of education and integration with other children. Many parents have reported changes to their children’s social skills due to the lockdowns.

New research carried out by Place2Be ahead of CMHW has found that 95% of staff working in UK schools have witnessed increased levels of pupil anxiety since the start of the school year.

In a survey of 1,130 school leaders, it was found that 86% of teaching staff had noticed an increase in low self-esteem among pupils since returning to the classroom following lockdown too.

By raising awareness and encouraging children to talk about their feelings and emotions, Children’s Mental Health Week is incredibly important.

Social Workers and Government Stats

On top of teachers noticing an increase in anxiety and low self esteem in children, the number of children with mental health problems seen by social workers has surged by a quarter since before the coronavirus pandemic.

There were 77,390 children who had been assessed as having a mental health need by councils on 31 March 2021, an increase of 25% on the 61,830 seen two years earlier.

The LGA, which represents 350 councils across England and Wales, says they show the devastating impact of COVID-19 on some young people, with successive lockdowns and school closures harming young people’s mental wellbeing exacerbating existing mental health challenges for young people.

Raising Awareness

Experts have warned that the number of children with mental health problems could continue to sharply grow, underlining the need for children’s social care services to be adequately funded.

Social workers have outlined the funding needed as part of a child-centered recovery from the pandemic, and the importance of early intervention to prevent a child or young person reaching crisis point. Councils have a lead role to play in promoting good mental health and tackling mental ill health.

During Children’s Mental Health Week, schools and children are urged to discuss openly how to manage mental wellbeing.

Children in one school were asked what they do to help with their own mental health, and some of the advice they gave are certainly points that we can all take on board.

Here are some of our favourites:

“To help with my mental health I’ve been trying lots of new things like riding my bike and I’ve tried to get better at football.”

No matter what your age, trying new things and developing new skills can do wonders for your mental health. If you’re feeling in a rut, start small and work your way up to bigger things. It doesn’t have to be anything too physical if you want to build yourself up and get the whole family involved.

If you’re creative, why not try embroidery or knitting, buy some canvases and paints and go wild, or even plan to decorate your home. If you love cooking, find time to experiment in the kitchen and create dishes for you and your family. Getting the children involved will make them more open to trying new things too. You’ll feel satisfied with the end product whilst letting your brain focus on the task in hand.

“The main group I missed during lockdown was swimming. Swimming always refreshed my mind after a hard day so when we came back I realised how much I missed it”

Physical exercise releases endorphins that can help to improve your mental health. You don’t have to go to the gym to exercise if that’s something you don’t feel comfortable with or if it is out of your price range.

Swimming is a fantastic form of exercise, using muscles all over your body and is something that the whole family can get involved in. Even a quick walk around the block can help you clear your mind.

“I think you should talk to your loved ones to see if they can help you. You can see if they’ve been struggling too and maybe they’ve even been in your situation. By getting advice you can have a better life.”

Talking is SO important and can make a huge difference to yours and your children’s mental health. Time to Talk Day took place on the 3rd February, encouraging people to open up and discuss their feelings with friends, family, or even people online if you feel you can’t speak to those closest to you.

Time to Talk Day is the nation’s biggest mental health conversation. Happening every year, it’s a day for friends, families, communities, and workplaces to come together to talk, listen and change lives. It is always time to talk – especially if you’re struggling.

Mental Health & Life Insurance

If you are struggling with your mental health, it’s so important to speak out and get the help you need, either through friends and family or your GP.

The broad term of mental health covers a range of conditions that affect a person’s mood and ability to process thoughts about themselves and the world around them. A few of the conditions that come under this category include:
  • Depression
  • Eating Disorders
  • Obsessive Compulsive Disorder
  • Bi-Polar Disorder
  • Schizophrenia
  • Borderline Personality Disorder
  • Post-Traumatic Stress Disorder
In the UK, 1 in 4 people will experience Mental Health problems in any given year. Only around 75% of those who need help will discuss their problems with a GP.

If you do have a mental health illness, and you’re currently looking for a life insurance policy, it is worth discussing your options with a specialist broker. The experts here at The Insurance Surgery know all about getting life insurance cover for those with pre-existing conditions such as depression or anxiety.

You will need to disclose details of your condition so your application can be fully assessed. As with other pre-existing medical conditions, Mental Health life insurance rates can vary dramatically from one insurance provider to another depending on their own attitude to risk for this type of condition.

It is possible to get Mental Health life insurance and terms can range from standard rates for mild symptoms with no additional medical disclosures all the way up to decline for more severe cases (e.g. multiple suicidal attempts).

Some of the factors that are taken into consideration include:
  • Your age when you were first diagnosed with a mental health illness.
  • What was the cause of your mental health problems?
  • Have you ever had any suicidal thoughts, attempts or self-harm?
  • Are you on any form of medication or treatment?
  • Have you ever been hospitalised due to your mental health?
At The Insurance Surgery, we understand exactly how insurance underwriting works for Mental Health life insurance so we can take the information that will be required as well as explain the whole process to you.

For some more severe types of mental health, or for people with more frequent symptoms, you may find that premiums can increase to reflect the levels of risk involved. If you have previously applied for Mental Health life insurance and been declined cover or have been offered high premiums then speak to The Insurance Surgery who are here to help.

How life insurance for Mental Health works

When you apply for Life Insurance, underwriters will want to establish a clear picture of your health and how much of a “risk” you would be to them. They will want to understand your personal experience of the Mental Health condition you live with, which is why they will want to know a lot of information about your condition.

At The Insurance Surgery, we do all the hard work for you.

When applying for life insurance, we know the best providers for our customers personal circumstances, so you only need to give us all the information once. From there we can find the best provider for you, saving you the time and effort of applying to providers individually.

Over the past several years, we have helped thousands of individuals, families and businesses to protect themselves, regardless of their medical history. Mental illness life insurance for people with Mental Health Conditions is just one of our areas of expertise.

If you’re looking for life insurance, a great place to start is our online enquiry form. From there a member of our team will get back to you and start the process with you.