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I’m depressed. Why can’t I get life insurance?

Find out how we at DeadHappy are here to help!

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April 4, 2022

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The stats (like Shakira’s hips) don’t lie

We’ve all heard the stats: approximately 1 in 4 people in the UK will experience a mental health problem each year1. Each week, 1 in 6 working-age adults report experiencing a common mental health problem, such as anxiety2. Yet, in spite of this, some life insurance providers can be frustratingly rigid, with many people struggling to get covered.

But what’s the real deal with that? Well, the big concern for life insurers with mental health conditions is suicide. Which means getting cover might be more difficult for people who have visited the doctor or had any kind of treatment for mental health conditions… and if you’ve ever had any suicidal thoughts, you can usually forget about getting affordable life insurance.

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You asked – we listened

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 listened and moved in the opposite direction to the rest of the industry: we’ve excluded suicide for everyone.

What does it mean for you? We don’t ask any intrusive mental health questions so – unlike most other insurers – we won’t decline your application for life cover based on most mental health conditions that you may have. So if you’re wondering whether you can get life insurance if you have anxiety, you’re bipolar or suffer with depression, we won’t decline you because of any of these conditions. Plus, our fully online application means if you feel too anxious to talk to someone on the phone you don’t need to – no awkward convos, just an online form with 4 basic questions and a few of our happiness honchos on hand to help you through the process should you get stuck.

And the best part? While other insurers may increase your monthly premiums if you suffer from a mental health condition (that’s if they accept you at all), at DeadHappy we won’t. No sneaky fees or additional charges.

Time for a mental health revolution

We’ve set out on a mission to break down those barriers and give everybody the chance to apply for life insurance. And many of our customers mention how pleased they are at being accepted even though they have mental health conditions – so far we’re calling it a success 🖤

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But don’t just take our word for it…

Say hello to our freakin’ happy customers

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Sources, June 2020, June 2020