Anxiety Life Insurance

Health conditions high risk insurance anxiety

We understand that having anxiety issues can be very difficult to cope with, and the last thing that you want is to find arranging your insurances stressful. Our Managing Director Kathryn has made it well known in the insurance world, that she has anxiety, that she had struggles getting insurance, and now works to establish fairer practices for people with mental health issues.

Things we need to know:

  • When did your anxiety start?
  • What are your symptoms - panic attacks, cold sweats?
  • Do you take any medication?
  • Have you tried any therapies?
  • Have you spoken to a counsellor or psychiatrist?
  • Have you spent any time as an in-patient at hospital?
  • Have you ever self-harmed?

Life insurance for people with a generalised anxiety disorder may be available at standard terms provided that your anxiety is well controlled through medication and/or therapy and there have been no recent suicide attempts. If you are on strong medication for your anxiety, have had psychiatric treatment, any in-patient 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).

Get a Life Insurance Quote

Anxiety Critical Illness Cover

Critical Illness Cover for those with a generalised anxiety disorder may also be available at normal terms, depending upon your individual circumstance. The insurance provider will want to know what type of medication and treatment are in use to control your anxiety, 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).

Get a Critical Illness Cover Quote

Anxiety Income Protection

Income protection for people who have had a generalised anxiety disorder, may be available at a standard policy premium. However it is likely that the income protection policy will come with an exclusion for any claim related to anxiety. If you have been free of your anxiety symptoms and medications 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.

Get an Income Protection Quote

If full Income Protection is not available to you, you may wish to look at short-term income protection in the form of Accident, Sickness and Unemployment cover. This is a non-underwritten policy that offers protection for 12-24 months but will not cover you for conditions linked to your heart attack (or another heart attack).

Get an Accident, Sickness and Unemployment Quote

Anxiety Travel Insurance

Are you planning on a holiday abroad? It could be a good idea to speak with a specialist travel insurance broker, that can get the right insurance in place for you. For more details please visit our dedicated travel insurance page here.

Our Recent Awards

Financial Reporter Women's Recognition Awards Finalist 2018 MMA Best protection adviser Winner 2018 MoneyFacts Finalist Awards 2018 PA Women in Financial Advice Awards 2018 MMA Best protection adviser finalist 2018

See our About Us page for more.


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

What is Anxiety

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.

Also: GAD, anxiety, anxiety disorder

Linked with: Panic disorder, post-traumatic stress disorder (PTSD), social anxiety disorder (social phobia), depression, obsessive compulsive disorder (OCD)

Possible Effects on Lifestyle

Some potential problems experienced by individuals who have generalised anxiety disorder include:

  • Social withdrawal
  • Difficulty making decisions
  • Difficulty maintaining relationships
  • Panic attacks
  • Feeling helpless
  • Wanting to run away

Medications and Treatments

  • Citalopram hydrobromide (Cipramil)
  • Citalopram hydrochloride (Cipramil drops)
  • Cognitive behaviour therarpy (CBT)
  • Counselling
  • Diazepam
  • Escitalopram Oxalate (Cipralex)
  • Hypnotherapy
  • Oxprenolol
  • Paroxetine
  • Propranolol
  • Selective serotonin reuptake inhibitors (SSRIs)
  • Seroxat
  • Sertraline Hydrochloride (Lustral)
  • Venlafaxine Hydrochloride (Efexor)

Further Reading and Research

Common Questions

1. I have panic attacks and want income protection. I have never missed a day of work. Can I get it?

You should be able to get income protection, regardless of having active panic attacks, but you will probably have a mental health exclusion placed on the policy. This may not seem ideal, asmental health claims make up a significant amount of income protection claims, however there are many other conditions that could keep you off work.

2. What do I need to tell the insurer about my anxiety?

Be safe, tell them everything! Insurance underwriters are human, they understand that people get anxiety from time to time and its no big deal. They understand that life events can cause us to worry, but we pick ourselves up and carry on. Even if you are experiencing anxiety now and feel like you are struggling, there are insurers who can offer you cover. The main thing is to know which insurers to go to, who will be sympathetic to your circumstances, this is where our services stand out.

3. My mortgage adviser has told me that I have been declined life insurance because of my anxiety. Are there any options for me?

Yes. There are a number of options that you can look at. Some mortgage advisers are only allowed to apply for insurance with one insurer, so it could be that they are linked to an insurer that is not great at insuring people with anxiety issues. There are many insurers on the standard insurance market that can offer life insurance to people with anxiety, and if need be, there are specialist insurers that you can speak to. The main thing is knowing where to look, to find and insurer, that suits you.

Client Reviews

The Special Risks Bureau has been rated 4.9 out of 5 based on 168 reviews.

Review by Sarah on 26th January 2018

Cura really helped me out when I got declined life insurance online they really took their time and listened to my needs - 5 Stars

You can read more of our reviews here.

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Author

Kathryn Knowles, Managing Director

Dr Kathryn Knowles Phd

This page was written by Dr Kathryn Knowles Phd, an award-winning insurance adviser. To read more about Kathryn please see her bio here.