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Life Insurance with Mental Health Conditions Get Your Free Quote

Life Insurance with Mental Health Conditions Anxiety, depression, and other conditions covered

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Mental Health and Life Insurance

How mental health conditions affect your application.

Mild Conditions Covered

Well-managed anxiety or past depression that has resolved may have little or no impact on your premium. Many people get standard terms.

More Serious Conditions

Bipolar disorder, PTSD, or conditions requiring hospitalisation may lead to higher premiums but cover is still often available through the right insurer.

Each Insurer Is Different

Insurers assess mental health differently. Being declined by one doesn't mean all will decline. A broker will call to compare options across multiple insurers.

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How It Works

Getting insurance quotes is simple. Here's how the process works.

1

Complete the Form

Answer a few simple questions about yourself and the level of cover you're looking for. It only takes a couple of minutes.

2

Receive a Callback

A specialist broker will call you back to discuss your requirements and answer any questions you may have.

3

Compare Your Options

The broker will present quotes from leading insurers so you can compare options and choose the cover that's right for you. There's no obligation to proceed.

Frequently Asked Questions

Yes. If your condition is mild and well managed, you may get standard terms with no price increase. More severe conditions may lead to higher premiums but cover is usually available.
Taking medication does not automatically increase your premium. Insurers look at the overall picture including severity, stability, and how long you have been well managed.
Yes. Non-disclosure could invalidate your policy. Being honest about your mental health ensures your policy is valid and claims will be paid.
Yes. Cover is available for bipolar disorder, though premiums may be higher depending on severity and stability. A broker will call to compare insurers.
Most UK life insurance policies include a 12-24 month suicide clause. After this period, the policy pays out as normal for any cause of death.

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