Life Insurance With Depression Depression does not prevent you getting cover

Depression is one of the most common conditions in the UK, affecting 1 in 4 adults at some point. Most insurers will cover mild to moderate depression at standard or near-standard rates. Compare quotes from leading UK insurers. Rated excellent on Trustpilot.

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Depression and Life Insurance

What insurers look at when you have depression.

Mild-Moderate Depression

Most insurers offer standard or near-standard rates for mild to moderate depression. If you are stable on medication and have not been hospitalised, your premium is unlikely to be significantly affected.

Severe Depression

Severe depression, particularly with a history of hospitalisation or self-harm, may see higher premiums or exclusions. Cover is still available through the right insurer.

What Insurers Ask

Insurers will ask about your medication, any history of self-harm, time off work, whether you have been hospitalised, and how long since your last episode. A broker will call to walk you through it.

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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

Common questions about life insurance and depression.

Yes. 1 in 4 UK adults experience mental health issues at some point. Most insurers cover depression, especially when it is mild to moderate and well managed.

It depends on the severity of your depression, your medication, and your history. Mild depression often has little or no impact. More severe cases may see a premium increase. A broker will call to compare.

Yes. You must always declare all medication including antidepressants. Non-disclosure could invalidate your policy and mean a claim is not paid.

Cover is still available even if you have been hospitalised for depression. Premiums may be higher, but a broker will call to find specialist insurers who understand your situation.