Mental Health Life Insurance
Are you looking for mental health life insurance that covers you if you have a mental illness such as schizophrenia, anxiety, depression or bipolar disorder? Whether you have been diagnosed with a mental health condition in the past but have now recovered, or are currently suffering from a mental illness. Life Insurance Cover will help you find the most compassionate and understanding insurer for your needs. Life Insurance Cover compares different insurers to quickly and easily find cover that protects you and your loved ones.
Information About Mental Health
We have created dedicated pages to the following mental health conditions:
Schizophrenia is a severe long-term mental health condition. It causes a range of different psychological symptoms. Doctors often describe schizophrenia as a type of psychosis. This means the person may not always be able to distinguish their own thoughts and ideas from reality.
Symptoms Of Schizophrenia Include:
Hallucinations – hearing or seeing things that do not exist outside of the mind
Delusions – unusual beliefs not based on reality
Muddled thoughts based on hallucinations or delusions
Losing interest in everyday activities
Not caring about your personal hygiene
Wanting to avoid people, including friends
Schizophrenia does not cause someone to be violent and people with schizophrenia do not have a split personality. The exact cause of schizophrenia is unknown. But most experts believe the condition is caused by a combination of genetic and environmental factors.
It’s thought that some people are more vulnerable to developing schizophrenia, and certain situations can trigger the condition such as a stressful life event or drug misuse.
If schizophrenia is well managed, it’s possible to reduce the chance of severe relapses.
This can include:
Recognising the signs of an acute episode
Taking medicine as prescribed
Discussing with others about the condition
Symptoms Of Post-Traumatic Stress Disorder (PTSD)
Someone with PTSD often relives the traumatic event through nightmares and flashbacks, and may experience feelings of isolation, irritability and guilt. They may also have problems sleeping, such as insomnia, and find concentrating difficult.
These symptoms are often severe and persistent enough to have a significant impact on the person’s day-to-day life.
Causes of post-traumatic stress disorder (PTSD)
Any situation that a person finds traumatic can cause PTSD.
These can include:
Serious road accidents
Violent personal assaults, such as sexual assault, mugging or robbery
Serious health problems
PTSD can develop immediately after someone experiences a disturbing event, or it can occur weeks, months or even years later.
PTSD is estimated to affect about 1 in every 3 people who have a traumatic experience, but it’s not clear exactly why some people develop the condition and others do not.
How Post-Traumatic Stress Disorder (PTSD) Is Treated
PTSD can be successfully treated, even when it develops many years after a traumatic event.
Any treatment depends on the severity of symptoms and how soon they occur after the traumatic event.
Any of the following treatment options may be recommended:
Watchful waiting – monitoring your symptoms to see whether they improve or get worse without treatment
Antidepressants – such as paroxetine or mirtazapine
Psychological therapies – such as trauma-focused cognitive behavioural therapy (CBT) or eye movement desensitisation and reprocessing (EMDR)
Panic disorder is an anxiety disorder where you regularly have sudden attacks of panic or fear. Everyone experiences feelings of anxiety and panic at certain times. It’s a natural response to stressful or dangerous situations. But for someone with panic disorder, feelings of anxiety, stress and panic occur regularly and at any time, often for no apparent reason.
Symptoms of panic disorder:
It can range from mild to severe, and can include feelings of worry and fear. The most severe form of anxiety is panic. You may start to avoid certain situations because you fear they’ll trigger another attack.
This can create a cycle of living “in fear of fear”. It can add to your sense of panic and may cause you to have more attacks.
A panic attack is when your body experiences a rush of intense mental and physical symptoms. It can come on very quickly and for no apparent reason. A panic attack can be very frightening and distressing.
Most panic attacks last for between 5 and 20 minutes. Some panic attacks may last up to an hour.
The number of attacks you have will depend on how severe your condition is. Some people have attacks once or twice a month, while others have them several times a week. Although panic attacks are frightening, they’re not dangerous. An attack won’t cause you any physical harm, and it’s unlikely that you’ll be admitted to hospital if you have one.
Be aware that most of these symptoms can also be symptoms of other conditions or problems, so you may not always be experiencing a panic attack.
Treatments For Panic Disorder
Treatment aims to reduce the number of panic attacks you have and ease your symptoms
Psychological (talking) therapies
Depending on your symptoms, you may need 1 of these treatments or a combination of the 2. Antidepressants can take 2 to 4 weeks before their effect builds up, and up to 8 weeks to work fully.
We have detailed a few of the most common mental health conditions. The list of conditions is extensive, many insurers will offer life insurance.
Many people who suffer with Mental Health problems have been accepted for life insurance. Insurers will however accept applications based on how severe the condition is. By writing to your GP to confirm your treatment and whether there are any medical complications. Also the impact the condition has on their lifestyle and ability to work.
Finding Mental Health Life Insurance
We search for a compassionate and understanding insurer, to find the right policy types and protection for you. It can be difficult to find the right Mental Health life insurance cover for your needs, but we can help you.
As Mental Health problems can be is a long-term conditions that links to other health conditions. Some insurers may be wary about accepting applications, especially if there has been severe breakdowns or relapses. All insurers underwrite applications by writing to your GP to confirm treatment and medication. By completing the medical forms from customers looking for Mental Health life insurance. This ensures they manage and assess their level of risk. If you have had complications or secondary medical problems. It can be challenging to know where to find an insurer that can meet your needs.
Costs For Insurance Premiums
As Mental Health problems can be a long-term health condition, some insurers may charge higher premiums than a person with no health conditions at all. This will however depend on the severity of your condition. Whether you are able to keep your symptoms under control with medications and/or diet or lifestyle. If you have had hospital admissions as a result of Mental Health, your premiums may be higher and an insurer may request some further details from your doctor to determine your premiums.
Prices from insurers will vary depending on who you speak to, which is why Life Insurance Cover is the perfect place to find the best Mental Health life insurance.
Who Offers Mental Health Life Insurance?
Life Insurance Cover works with all of the UK’s leading insurers for Mental Health life insurance. Our panel of FCA registered life insurance specialists will provide quotes. We will get a quote from more than one life insurance company and compare the one that is best for you. By submitting your details through one of our quick and easy online forms to receive quotes. Our UK leading FCA-regulated insurance providers will help you to find:
– The best price for Mental Health life insurance
– Protection for complete peace of mind
– A specialist insurer that understands Mental Health and your symptoms
Different Protection For Mental Health
Critical illness cover
Critical illness insurance offers protection for many conditions including cancer. If you have received a diagnosis for Mental Health problems. Acceptance of your application will depend on various factors. This will include your overall health, whether your symptoms are under control. An insurer may want a medical report to review your current treatment. If you have experienced medication complications, you may face higher premiums or may even need to take out a policy with a specialist insurer.
Life Insurance Cover offers policy comparison services to help you find the right cover and take the hassle out of the application process. Simply complete the enquiry form to get a quote. It’s quick, simple and completely free.
For more information on Mental Health:
Do you have a medical condition that causes Mental Health issues and require life insurance cover? At Life Insurance Cover we take the time to find the best policy and save you money. We also make the purchasing of life insurance as quick and simple as possible. Fill in the easy no obligation enquiry form to speak with member of our specialist team. Get protected with life insurance.