Life insurance for people with a mental health history
Depression, anxiety, ADHD, bipolar and more. We compare quotes from insurers who look at how you're doing now, not just what's written in your notes.
Family-run UK specialists in life insurance for people with medical conditions.
Why applying has felt like a bad idea until now
Maybe you've put it off for years. Maybe you started a form once, hit the mental health questions, and closed the tab. Maybe you were declined, or quoted a price that felt like a punishment for getting help.
Here's what most people are never told. For many people with a mental health history, life insurance is genuinely achievable, often at normal prices. What matters to insurers isn't the fact that you've experienced depression or anxiety. It's the picture: how long ago, how you are now, and how things have been managed.
A course of antidepressants doesn't automatically count against you. Neither does counselling. Being well now, and having looked after yourself, reads exactly like what it is.
The problem is that not every insurer sees it that clearly, and generic forms certainly don't. Knowing which insurers look properly is our job.
The protection we can help with
Life insurance
A tax-free lump sum for your family if you die during the policy term. For many people with a stable or historic mental health condition, this is more achievable and more affordable than they expect, and it's where we'd suggest most people start.
Critical illness cover
A lump sum if you're diagnosed with a serious physical illness covered by the policy. A mental health history doesn't usually prevent this cover, though insurers will ask the same questions as for life insurance.
Income protection
A monthly income if illness or injury stops you working. We'll be completely straight with you: many income protection policies exclude claims caused by mental health, and some insurers are much fairer than others on this. We will always tell you exactly what a policy does and doesn't cover before you apply, because a policy that won't pay for the thing you're worried about isn't protection, it's paperwork.
A diagnosis is not the whole story
Two people with the same words in their medical notes can get completely different decisions, because insurers don't underwrite a label. They look at the picture: when it was diagnosed, how long things have been stable, what treatment has looked like, whether you've needed time off work, and how you are now.
Time is on your side here. The longer things have been steady, the stronger your position. And different insurers weigh all of this differently, which is exactly why the choice of insurer matters more in mental health than almost anywhere else.
One more thing, because it matters: nothing about an insurance application is a reason to change how you look after yourself. Never stop or adjust medication or therapy for the sake of an application. The right insurer will see your treatment for what it is: you, managing things well.
How we make getting life cover simple
01
Fill out a quick health check
A few respectful questions, in private, at your own pace. Enough for us to know which insurers to approach, and nothing more.
02
Get tailored advice
A specialist adviser talks through your options, in plain English, without judgement. Where it helps, we can check discreetly with insurers before anything formal goes on your record.
03
Get covered
We handle the paperwork and keep you updated at every stage. Straightforward cases can often proceed without a GP report, and when one is needed we arrange it and chase it for you.
What insurers actually ask about
No interrogation, just the picture. The things that genuinely shape a decision:
- What was diagnosed, and when. An anxiety diagnosis years ago is a very different question from one last month.
- How things have been recently. Stability over the last year or two is your strongest asset.
- Treatment. Medication that's working and settled reads as a condition being managed. Counselling and therapy are normal and are not held against you.
- Time off work. Recent long absences prompt more questions; being in work and getting on with life reads well.
- The harder chapters. Insurers do ask about hospital admissions and about any history of self-harm or suicidal thoughts. If that's part of your story, it doesn't automatically mean no. Recency matters most, and we'll always talk it through with you like adults, privately, before anything goes near an application.
- Your general health and lifestyle. The same questions everyone gets.
None of these decide the outcome alone. Presenting the whole picture properly is what we do.
Read more about depression, anxiety, adhd, bipolar, men's mental health or women's and maternal mental health.
Your story stays yours
Talking about your mental health with a stranger is not a small thing. So, plainly: our advisers have these conversations every day, nothing you say will shock us, and you'll never be judged, rushed or asked for more than the insurer genuinely needs. You'll speak to one named adviser, not a call centre, and what you tell us is used for one purpose: getting you the right cover.
Meet the family behind My Mind Life
We're Andy, Sam and Luke, the Stevens family, born and raised in Kent. We've spent years helping people with medical conditions get life insurance that treats them fairly, after hearing too many stories of people being overcharged or turned away by insurers who didn't understand them.
Mental health felt like the next place that needed fixing, because so many people have quietly ruled themselves out of protecting their families over something they've long since worked through. We think honesty and a bit of humanity go a long way in this business, and that's what you'll get here.
You'll always speak to a named UK-based adviser, never a call centre.
Our family, looking after yours.
Your position can get stronger over time
- Been stable for longer?
- Back at work and getting on with life?
- Treatment settled or reduced by your doctor?
- More distance from a difficult period?
Every year, you can come back to us for a review. If your circumstances have improved, we'll look at whether better terms have become available. And to say it once more: any change to treatment is a decision for you and your doctor, never something to do for an insurance form.
Start your free quoteReady for a proper answer?
No pressure, no judgement, no obligation, and nothing on your record. Tell us a little about your situation and we'll tell you honestly what's possible.
Want to know more about us first? Meet the family.