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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. Unlike most other insurers, we won’t decline your application for life cover based upon most mental health conditions that you may have. We can decline cover based on other reasons, but it most likely will never be based on your mental health. Ever.

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, we won’t decline your life insurance application because of any of these conditions.

What mental health conditions do you accept?

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. 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

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 we exclude suicide for everyone. And, unlike everyone else we do annual reviews. That means we can reassess the situation each year, so 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 from DeadHappy. Other insurers however may load your premiums, if they accept you at all.

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, it’s no different from any other application. We’ll ask you 4 questions, and hopefully we’ll be able to accept you right then, or we may need a few more details, but we promise none of these will be about mental health.

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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 is not covered in the first year of any plans, however we apply this to all customers, not just those with mental health issues. We won’t discriminate against you if you have a mental health condition by reducing your cover or increasing your premium.

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.