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You can view a transcript for this CuraVision Mental Health video here.

Life Insurance following a suicide attempt

Life Insurance after a suicide attempt is possible. There a number of factors that will affect the type of insurance policy you can go for. The insurer will want to know how many times you have attempted suicide, how long it has been since the attempt and if there was a specific trigger for your actions e.g. traumatic event, mental health, etc.

It is important to note that most standard Life Insurance policies in the UK will pay a claim for suicide after the policy has been in place for 12 months. With that in mind, combined with a history of suicide attempts, in many circumstances any offer of Life Insurance that you receive will be at non-standard rates. This means that the insurer will increase the monthly premium that you pay for Life Insurance, to offset the perceived added risk of there being a claim.

If your suicide attempt was recent, within the last few years standard insurers may postpone your, and you may find that you need to speak with specialist insurers for Life Insurance who can offer cover with an full term exclusion on suicide.

Get a Life Insurance Quote

Critical Illness Cover following a suicide attempt

Critical Illness Cover can be available after a suicide attempt, depending upon the amount of time since the event occurred. The insurer will want to know if there was a trigger that caused the event, such as a mental health condition (bipolar disorder, depression, schizophrenia) or a traumatic situation, and how many times you have tried to commit suicide. As with Life Insurance, Critical Illness Cover after a suicide attempt will typically be offered at an increased premium, however rates do become more favourable the more time that has passed.

Recent suicide attempts will generally lead insurers to postpone your application for Critical Illness Cover, at which point specialist insurers will need to be applied to.

Get a Critical Illness Cover Quote

Income Protection following a suicide attempt

Income Protection after a suicide attempt may be available, if the event was a number of years ago. Again, insurers will want to know how many times you have attempted suicide and if there was specific trigger cause. If you have a mental health condition that lead to you attempting suicide, the insurer is more likely to assess your Income Protection claim based upon your specific mental health diagnosis. Income Protection may be available with a mental health exclusion to the policy, this is more likely than a premium increase.

If the suicide attempt was isolated and there are no ongoing mental health conditions, you may find that after a number of years, Income Protection could be available at standard rates.

Get an Income Protection Quote

For those who have a mental health condition and find that long-term Income Protection that is on offer doesn't suit their needs, Accident Sickness and Unemployment Cover may be worth considering. This short-term Income Protection policy will pay a monthly income replacement for between 12 and 24 months, if you are unable to work due to disability, long-term injury and unemployment cover. Accident, Sickness and Unemployment policies do not take into account your medical history when you apply for the cover, so your history of suicide attempts will not affect your eligibility for the policy. However, any claim that you place will exclude claims related to any existing medical conditions that you have.

Get an Accident, Sickness and Unemployment Quote

Travel Insurance following a suicide attempt

Are you going on holiday? It is important that you arrange travel insurance before you go. We would suggest that you speak with a specialist travel insurance broker, who can find the right policy for you, with your history of suicide attempts. For more details, click here.

Possible Effects on Lifestyle

Some potential problems experienced by individuals who have attempted suicide include:

  • Social withdrawal
  • Act recklessly
  • Dietary changes
  • Too much or too little sleep
  • Uncontrollable emotions

Medications and Treatments

  • Anti-depressants
  • Cognitive behaviour therapy (CBT)
  • Counselling
  • Crisis Prevention Team (CRT)
  • Hypnotherapy

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

Suicide is the act of taking your own life. For some people, suicide can feel like a last resort following difficult events in their life. Mental health, job security, relationships ending and physical, emotional or sexual abuse, can all lead to a person feeling suicidal.

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