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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: 44
  • Smoker status: Non-smoker
  • Medical conditions: Focal seizures (epilepsy), depression and high cholesterol
  • Cover date: 18th June 2019
  • Product: Level Life Cover
  • Cover amount: £94,000
  • Cover term: 20 years
  • Premium: £20.80

We were approached by this gentleman on the 25th February 2019 when he completed an enquiry through our website. Our advisor Dan then contacted the gentleman to enquire about his life insurance needs and his pre-existing medical conditions. At this point he explained that he was looking for £94,000 of cover over a 20-year period to cover his re-mortgage, he then went onto explain that he is a non-smoker with depression and fairly mild focal seizures (epilepsy) as well as high cholesterol, however this isn’t an issue as he has it under control. Our advisor Dan then took this information and applied to one of our mainstream providers; he successfully secured the gentleman £94,000 of life insurance for 20 years to cover his re-mortgage. This is a brilliant premium considering that the gentleman has a few medical conditions, but due to the fact that they were all relatively mild and well controlled he was able to get the cover he needed and for a great price. He was overjoyed that we were able to find him cover.

Overall, we were so pleased that we were able to secure the gentleman the cover that he needed at a price that suited his budget. Furthermore, we love helping people to get the cover that they deserve and need as it gives us, and them, peace of mind that they will be covered if something unexpected was to happen to them during the policy term.

Case Study 2

  • Client: Female
  • Age: 30
  • Smoker Status: Smoker
  • Condition: Depression
  • Diagnosis Date: April 2001
  • Cover Date: May 2015
  • Products: Multiple Policies
  • Product One: Level Term Assurance - Family Protection
  • Cover Amount: £180,000
  • Cover Term: 10 years
  • Premium: £20.77
  • Product Two: Level Term Assurance with Critical Illness Cover - Family Protection
  • Cover Amount: £70,000
  • Cover Term: 10 years
  • Premium: £26.37
  • Combined Premium: £47.14

Case Study 3

  • Client: Male
  • Age: 57
  • Smoker Status: Smoker
  • Condition: Depression
  • Other Conditions: Anxiety
  • Diagnosis Date: February 2003
  • Cover Date: October 2015
  • Product Type: Decreasing Term Assurance - Mortgage Protection
  • Cover Amount: £91,000
  • Cover Term: 7 years
  • Premium: £56.42

Frequently Asked Questions:

Applications for Life Insurance are assessed on an individual basis so cost is reflective of your condition, symptoms your experience and the treatment you require. Costs start at what is known as standard rates, so this is a basic rate for the amount, term, your age and smoker status if you are in good health. On top of this there may be an increase to the premiums applied depending on your personal medical history. Here at The Insurance Surgery we have many years of experience in obtaining the best cover we can find for people living with a Mental Health Condition, we will do all we can to find cover for you at a good price.
Without looking at what you already have, what you currently pay and what you need now that is a difficult question to answer. It can sometimes be wise to keep an existing policy taken before any health issues and simply top up cover with an additional policy. Equally it may be wise to cancel and take a new policy to cover all needs. Our expert advisors offer free advice so we can look at what cover you currently have and help you assess what is best for you.

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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:

  • Depression
  • Eating Disorders
  • Obsessive Compulsive Disorder
  • Bi-Polar
  • Schizophrenia
  • Borderline Personality Disorder
  • Post-Traumatic Stress Disorder

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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'Perfect for anyone who doesn't tick the standard boxes' After my mortgage advisor took over 3 months to arrange cover, with repeated requests for medical examinations, owing to PCOS, I took matters into my own hands......a 40 minute call, ended with me having all the cover I needed, within my prescribed budget, can’t thank the insurance surgery enough for the help they gave me 4.9

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