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Mental Health Life Insurance

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Mental Health Life Insurance

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.

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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.

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Case Studies

  • Client: Female
  • Age: 28
  • Smoker Status: Non-Smoker
  • Condition: Migraine
  • Other Conditions: Anxiety
  • Diagnosis Date: Unknown
  • Products: Multiple Policies
  • Product One: Level Term Assurance – Mortgage & Family Protection
  • Cover Amount: £150,000
  • Cover Term: 18 years
  • Premium: £6.80
  • Product Two: Level Term Assurance with Critical Illness Cover – Mortgage & Family Protection
  • Cover Amount: £50,000
  • Cover Term: 18 years
  • Premium: £9.74
  • Combined Premium: £16.54

Most Common Questions

We answer your most 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.

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.

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

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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Click the links below to find out more:

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