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Can you get Life Insurance with a mental health condition?

What is a mental health condition

Firstly, one in four adults in the UK have experienced mental illness according to the NHS website* so it’s no surprise to question whether mental health affects life insurance applications. So, what are the facts about life insurance and mental health?

Can I get accepted for a life cover with DeadHappy if I have a mental health condition?

Yes. We won’t decline your application for life cover based upon most mental health conditions that you may have. We may decline cover for other reasons, but it's unlikely to be based on your mental health.

So if you’re wondering if you can get life insurance if you get anxiety, you are bipolar, you suffer with depression, or have been diagnosed with schizophrenia; the answer is that we won’t decline your life insurance application because of any of these conditions.

What mental health conditions do you accept?

We should be able to offer you life insurance cover if you suffer from the below mental health conditions:

  • Anxiety
  • Depression
  • Stress
  • PTSD
  • Borderline personality disorder
  • Bipolar disorder
  • OCD
  • Paranoia
  • Psychosis
  • Schizophrenia
  • Anorexia nervosa
  • Bulimia nervosa
  • Phobias
  • Self-harm
  • Suicidal thoughts
  • Suicide attempts

This isn’t an exhaustive list, if you’ve something that’s not specifically on here, drop our resident honchos a line and they’ll be happy to see if we can help.

I’ve been declined by other insurers for life insurance because of mental health, why are DeadHappy different?

Our social media threads were full of people who wanted life insurance in case they got hit by a bus or got ill, but couldn’t get it because of a mental health condition. They asked why insurers didn’t just exclude suicide.

So we moved in the opposite direction to the rest of the industry, and excluded suicide for everyone. Unlike everyone else we do annual reviews. This means we can reassess the situation each year; and for the vast majority of people, we can lift this exclusion after a year.

Does life insurance cost more for people with mental health issues?

Not if you get your life insurance from DeadHappy. Other insurers however may load your premiums.

How do I get life insurance if I have a mental illness?

We can’t speak for other insurers who may require you to fill out extensive forms and lots of lengthy questionnaires, but at DeadHappy,we’ll ask you just a few questions, and be able to give you a decision there and then.

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Will a mental health condition affect life insurance cover?

We apply an exclusion to our cover, so that death by suicide (or death caused by intentional self-inflicted injury) is not covered in the first year of any of our policies. However we apply this to all customers, not just those with mental health issues.

Does therapy affect my life insurance?

Short answer, No. Long answer, whilst other life insurance companies may penalise people seeking help for their mental health condition with therapy, we don’t. We won’t refuse you cover or load your premium if you’ve sought help for a mental health condition.