Life Insurance for people with a generalised anxiety disorder may be available at standard terms provided that the condition is well controlled through medication and/or therapy and there have been no recent suicide attempts. If you are on strong medication, have had psychiatric treatment, any inpatient hospital treatment, any history of self-harm or any significant time off work, your application for Life Insurance may be accepted at non-standard terms (premium increase).
Critical Illness Cover for those with a generalised anxiety disorder may also be available at normal terms dependent upon your individual circumstance. The insurance provider will want to know what type of medication and treatment are in use to control the condition, if it impacts upon your ability to work and if there is a history of suicide attempts. Where the symptoms and treatment for generalised anxiety disorder are considered to be at a significant level, the insurer may offer terms for Critical Illness Cover at special terms (premium increase).
Income Protection for people who have had a generalised anxiety disorder in the past may be available at a standard policy premium but will likely come with a claim exclusion for anything related to the condition. If you have been symptom and medication free for a number of years then you may be able to secure Income Protection without any exclusions to the policy claims set. Where the generalised anxiety disorder is currently active with medications and treatment in use, it is probable that the insurer will increase the policy premiums and place an exclusion on any claim related to your generalised anxiety disorder.
Some potential problems experienced by individuals who have generalised anxiety disorder include:
Difficulty making decisions
Difficulty maintaining relationships
Medications and Treatments
Citalopram hydrobromide (Cipramil)
Citalopram hydrochloride (Cipramil drops)
Cognitive behaviour therarpy (CBT)
Escitalopram Oxalate (Cipralex)
Selective serotonin reuptake inhibitors (SSRIs)
Sertraline Hydrochloride (Lustral)
Venlafaxine Hydrochloride (Efexor)
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Generalised anxiety disorder can be diagnosed when an individual starts to feel that 'normal' situations are causing them a prolonged and significant amount of heightened anxiety. This can often be due to specific life events such as starting a family, moving home, bereavement and diagnosis of a critical illness as just a few examples. Generalised anxiety disorder can also develop over a long time period and it can be difficult to pinpoint the exact cause/event that has triggered the condition. Having an anxiety disorder does not mean that you are just suffering from a bit of stress, it is a serious condition that needs to be properly addressed through medication and/or treatment.
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