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Mental Health Life Insurance

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Mental Health Life Insurance

If you are looking for Life Insurance and suffer with Mental Health problems you will need to disclose details of your condition so your application can be fully assessed. Here we explain to you how the process of applying works and what impact your Mental Health could have on what cover is available and at what price.

How it works

When you apply for Life Insurance underwriters will want to establish a clear picture of your health, they will want to understand your personal experience of the Mental Health condition you live with. Some of the typical questions that will be asked include:

  • The condition you have been diagnosed with
  • When you were diagnosed
  • What symptoms you experience, how often and how severe
  • How you treat and manage the symptoms
  • Any suicidal thoughts or attempts
  • Any hospitalisation

The Insurance Surgery is a leading life insurance expert for people with pre-existing medical conditions. Over the past several years, we have helped thousands of individuals, families and businesses to protect themselves, regardless of their medical history. Insurance for individuals with Mental Health Conditions is just one of our areas of expertise.

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.

Case Study 2

  • Client: Male
  • Age: 30
  • Smoker status: Smoker
  • Medical conditions: Anxiety and Optic    Atrophy
  • Cover date: 16th March 2020
  • Product: Decreasing Life Insurance
  • Cover amount: £85,000
  • Cover term: 15 years
  • Premium: £45.08

We were approached by this lady on the 16th March 2020 when she completed an application through our website. Our advisor Suzanne then got in touch with her to discuss her life insurance needs and any pre-existing conditions she may have. This is when she disclosed that she suffers from anxiety which is controlled through medication, she also explained that she has a history of self-harm including one suicide attempt. Furthering this, she then explained that she has lost her sight due to optic atrophy in 2003. After taking this information, Suzanne then asked about her life insurance needs, this is when she explained that she was looking for £85,000 of cover over a 15 year period to cover her mortgage, Suzanne explained that a decreasing policy would be best as it is designed to cover mortgages. The lady agreed and Suzanne then applied her to one of our mainstream providers. On the 16th March 2020 Suzanne secured the lady £85,000 of cover for a 15-year period for a monthly premium of £45.08.

This is an amazing outcome, especially as the lady has had a previous suicide attempt, as it can be difficult to find life insurance with a history of poor mental health. Furthermore, it is amazing that the lady was able to get covered so quickly as with some mental health life insurance applications insurers may request a doctor’s report, which can take up to 12 weeks to be completed. We were also delighted with this outcome as it is an amazing premium, and the lady now has the protection and peace of mind that she needed.

Case Study 3

  • Client: Male
  • Age: 31
  • Smoker status: Non-smoker
  • Medical conditions: Huntington's disease, depression and anxiety
  • Cover date: 18th March 2020
  • Product: Level Life Insurance
  • Cover amount: £250,000
  • Cover term: 36 years
  • Premium: £25.76

We were approached by this gentleman on the 2nd January 2020 when he completed an enquiry through our website. Our advisor Sam C then got in touch with the gentleman to discuss his life insurance needs and any pre-existing conditions he may have. This Is when he explained that he has the Huntington’s disease gene but doesn’t have any symptoms, and that he suffers from mild anxiety and depression which is controlled through medication. After taking this information, Sam C then enquired about his life insurance needs, this is when the gentleman explained that he was looking for £250,000 to cover his mortgage as well as leave some behind for his family. After taking this information, Sam C then applied the gentleman to one of our specialist providers, due to the fact that the gentleman has the Huntington’s disease gene the insurers requested a doctor’s report. This can take anywhere from 4 to 12 weeks, or even longer depending upon the GP surgery. After the insurers received the GP report, Sam C secured the gentleman £250,000 of cover over a 36-year period for a monthly premium of £25.76.

This is an amazing outcome for the gentleman as he now has the protection that him and his family need to have peace of mind; furthermore, this premium is amazing considering the gentleman’s history of mental health issues as well as the Huntington’s disease gene. We were delighted with this outcome as we have helped another customer to find the protection that they deserve.

Frequently Asked Questions:

Yes, no matter how difficult of a case your application may be, we will be able to find you some cover.
Yes, most providers will put a 12-month exclusion on suicide, meaning that your policy would not pay out in the first year as a result of suicide.
That entirely depends on the type and severity of your condition, if you have mild symptoms then there shouldn’t be much issue with you getting cover. However, if you have more severe symptoms you may have more of an issue getting covered.
Yes, it is possible for you to get income protection or critical illness cover with mental health issues, however it is also possible that providers may include exclusions onto your policy, i.e. exclude anything related to your mental health condition.

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Mental Health and Life Insurance:

Applying for Life Insurance with a history of Mental Health problems simply means we need to know a little more before underwriters will give a firm decision on cover available and at that price. Cost for cover is decided on a case by case basis to reflect your current health and your history.

Critical Illness Cover for people with Mental Health Conditions:

Critical Illness Cover is often available, sometimes the underwriters will place exclusions on the policy for claims related to Mental Health. This is decided on an individual basis according your condition and symptoms. Even with this exclusion a Critical Illness policy would still cover in the case of things such as cancer, heart attack, stroke and many more life altering illnesses.

Mental Health and Income Protection Insurance

Income Protection cover may be available for individuals with a history of Mental Health problems. The main consideration is how your condition has, or might, affect your ability to work. Here at the Insurance Surgery we can help you look at the options available to you in order to protect your income if you are unable to work.

Facts about Mental Health:

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:

Mental Health Statistics (UK)

  • 1 in 4 people will experience Mental Health problems in any given year
  • 9 out of 10 people with a Mental Health condition face stigma and discrimination
  • Only around 75% of those who need help, will discuss their problems with a GP
  • Around 70 million work days are lost each year due to mental illness


Causes of Mental Illness:

The underlying cause of someone’s experience of Mental Health problems can be varied. Some conditions are triggered by life events. This may be a clear event or could be several contributing factors that leave the cause unable to be determined. It is also possible that Mental Health problems could arise from a physical issue such as a head injury; or there is potential that some are genetically predisposed to developing a Mental Illness.

Diagnosis and Treatment of Mental Illness:

To give a firm diagnosis your doctor will listen to the detail of the symptoms, usually following set questionnaires. For simple conditions such as depression the diagnosis often comes from a GP, for more complex issues a physiatrist will be involved. Symptoms may alter over time which can mean the diagnosis / name to the condition does too.

Many conditions can be eased by talking treatments such as counselling and cognitive behavioural therapy. There can also be the option of medication to minimise the symptoms. There are often alternative therapies that can help too such as hypnotherapy, massage and acupuncture.

Useful Links:

Mind Charity: www.mind.org.uk
Rethink: https://www.rethink.org
Mental Health Foundation: www.mentalhealth.org.uk
Time to Change: http://www.time-to-change.org.uk/
NHS Choices (Mental Health): http://www.nhs.uk/livewell/mentalhealth/Pages/Mentalhealthhome.aspx
Sane: http://www.sane.org.uk/
OCD Action: http://www.ocdaction.org.uk/

Here at The Insurance Surgery we have many years’ experience working with people with Mental Health Conditions. We will do our best to help you find what you need to protect you, your family or your business at the most competitive price we can.

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'Great customer service, very helpful and quick response' Sam was very helpful, very well informed and explained everything in detail to the best of his knowledge. I am very happy with his advice and outcome. I will definitely recommend his services. Very good and professional service. 4.9

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