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Mental Health Disorders Life Insurance

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Mental Health Life Insurance, Critical Illness Cover and Income Protection

The Insurance Surgery is a leading insurance expert for all types of Mental Health life insurance, critical illness cover or income protection and we work with a number of leading charities supporting people with mental health issues. Our team of skilled insurance advisers has worked with and helped thousands of people suffering from all different types of mental health, such as Anxiety, Depression, Stress, PTSD and Schizophrenia

Mental Health life insurance, critical illness cover and income protection rates can vary dramatically from one insurance provider to another as well as very much depending on your own circumstances. Our team of specialists has been helping people with mental health problems to get the cover they need to protect their family, homes and businesses since 1999.

How Mental Health life insurance, critical illness cover and income protection works:

It can be difficult to assess applications for Mental Health life insurance, critical illness cover and income protection due to the fact that symptoms can be subjective and treatment varies significantly, some of the main considerations are:

  • Date diagnosed
  • Type of mental health problem
  • Severity of symptoms
  • Frequency of symptoms
  • Any suicidal attempts/thoughts

If you need help or advice to get Mental Health life insurance, critical illness cover and income protection to protect your family then you should contact one of our team of experts for free advice. We will help you to save precious time and energy as well as help you to save £’s on your monthly premiums.

Mental Health life insurance

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 main factors which would be taken in to consideration by underwriters for any application for Mental Health life insurance are:

  • How old were you when you were first diagnosed
  • What was the cause of your mental health problems
  • Have you ever had any suicidal thoughts or attempts
  • What type of medication or treatment

It can be a stressful experience applying for Mental Health life insurance so our specialists has a vast amount of experience to make your application as simple and hassle free as possible. 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.

Mental Health critical illness cover

As with life insurance, it is very possible to get Mental Health critical illness cover and terms can be very favourable for people with either mild symptoms or historical issues. Generally milder types of mental health problems (e.g. Anxiety, Depression or Stress) tend to be easier to apply for and terms can be offered at the same rates as for someone with no previous medical issues. Also, if your mental health problems were several years ago and you have not experienced any issues recently then you should be able to get cover at standard rates with no issues.

For more severe cases or more recent issues then you may find that you will be asked to provide medical evidence from your GP or specialist to help support your application for Mental Health critical illness cover. Our specialists have experience dealing with all of the top insurance underwriters so we know which insurers will be the most favourable for you and your individual circumstances.

Mental Health income protection

It is also possible to get Mental Health income protection in most cases, especially where the symptoms are mild or if your issues are historical with no recent problems. Terms can also vary from standard rates with no exclusions for mild cases or for someone who has not experienced issues for several years.

Insurance underwriters will also want to know how much time you have had off work in recent years because of your condition. You may find that for some applications for Mental Health income protection there could be exclusions applied to your policy which are connected to your condition.

Case Study 1

  • Client: Male
  • Age: 42
  • Smoker status: Non-smoker
  • Medical conditions: Depression and Alcoholism (recovering)
  • Cover date: 18th March 2020
  • Product: Decreasing Life Insurance
  • Cover amount: £210,000
  • Cover term: 29 years
  • Premium: £20.37

We were approached by this gentleman on the 28th February 2020 when he completed an enquiry through our website. Our advisor Karl then contacted him to further discuss his life insurance needs and any pre-existing medical conditions he may have. This is when the gentleman disclosed that he was a recovering alcoholic with depression. Karl then requested further information from the client, this is when he explained that he has been in recovery since 2014 and has been sober ever since. He then went onto explain that his depression is mild, and he currently doesn’t require any treatment for it. After taking this information on board, Karl then asked the gentleman why he needed life insurance, how much he wanted and for how long. The gentleman then explained that he needed cover for his mortgage and therefore needed £210,000 of cover for a 29-year period. Due to the fact that he needed the cover for his mortgage, Karl suggested decreasing cover as it is cheaper than level cover and designed to cover mortgages. The gentleman agreed that this was the best option for him, and so on the 18th March 2020 Karl secured the gentleman £210,000 of cover for a 29-year period for a monthly premium of £20.37.

This is an amazing outcome as the gentleman now has the protection that he deserves. He was delighted with the outcome as Karl managed to secure him the cover he needs within his budget so he has peace of mind that his family will be protected should the worst happen. Furthermore, this is a brilliant out come for us as we are passionate about protecting people and love finding people the protection that they deserve.

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If you need help or advice to get Mental Health life insurance, critical illness cover and income protection then you should contact one of our team of specialists for a quote or free advice.


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