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Life Insurance

Life Insurance for those with post traumatic stress disorder (PTSD) may be available at standard terms or special terms; depending upon the severity of the condition. The insurance provider that you approach will want to see a report from your doctor as to the severity of your condition, treatments undertaken, time since last symptoms and any lasting complications that are present. If you have ongoing symptoms of post traumatic stress disorder then you will need to approach a specialist insurance provider and Life Insurance may or may not be available. Similarly, if there have been any instances of self harm or suicide attempts then you will need to approach a specialist provider who may be able to offer cover with an exclusion on certain causes of death.

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Critical Illness Cover

Critical Illness Cover for individuals with mild post traumatic stress disorder, or those who have experienced the condition in the past, may be able to secure a policy at standard terms or special terms severity depending. Recent flare-ups of PTSD may result in any offer of Critical Illness being subject to non-standard terms, which could include an increase to the policy premiums and/or Total Permanent Disability exclusion. Where the condition has been relatively severe and/or recently active the insurer may decide to decline your application or postpone an offer of cover until a set period of time has passed.

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Income Protection

Income Protection for those who have experienced PTSD may be available with select insurers. It is likely that the policy will be offered with a mental health exclusion, if it is available. When you apply for Income Protection you should aim to secure a policy that is written with an 'own occupation' definition. This means that any claim that you make will be assessed on your ability to perform the job that you currently do. Other definitions of Income Protection will assess your ability to perform any like job or any job at all, making the claim definitions much broader and more difficult to successfully claim on. Our insurance advisers are able to help you select the correct insurer for your Income Protection policy when looking at your health and occupation in combination.

When you apply for Income Protection you will need to choose a deferment period of 1 day, 1 week, 4 weeks, 8 weeks, 13 weeks, 26 weeks or 52 weeks. This is the amount of time that you must wait until your policy will pay a successful claim. You should take into consideration any employment benefits that you have, savings that are available to you and your budget for the policy premiums when determining your choice of deferment. Our financial advisers regularly aid clients in determining the best Income Protection policy options for their needs, please feel free to contact us for help in placing your application.

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Some potential problems experienced by individuals who have PTSD include:

  • Social withdrawal
  • Dependance on family members and friends
  • Self harm
  • Aggressive behaviour
  • Nausea and trembling

Medications and Treatments

  • Amitriptyline
  • Cognitive Behavioural Therapy (CBT)
  • Eye Movement Desensitisation and Reprocessing (EMDR)
  • Mirtazapine
  • Paroxetine
  • Phenelzine
  • Seroxat
  • Sertraline
  • Sertraline Hydrochloride (Lustral)
  • Watchful waiting

For more information on specific health conditions, pastimes, occupations and countries please select here:

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Please feel free to call us on 0800 567 7450 and one of our qualified insurance advisers will be happy to assist you.

Summary definition

Post traumatic stress disorder (PTSD) occurs when someone personally experiences or witnesses a highly traumatic event. This illness can manifest from instances such as severe road accidents, military combat, violent assaults, prolonged abuse and natural disasters to name but a few. PTSD can occur immediately following a stressful event but can also take years to trigger. There are no clear reasons as to why some people develop PTSD and others do not when faced with the same event, however previous mental health diagnoses or a familial history of mental health disorders are thought to increase the chances of experiencing the condition.

Other Services Available

You can apply for any of the following services through ourselves

* Please note that accident and sickness cover will likely exclude pre-existing health conditions.
** These services are placed with our selected partners.

Further Reading and Research