Life insurance with ADHD
Diagnosed at 8 or diagnosed at 38, here's the short version: ADHD on its own rarely gets in the way of life insurance, and for most people it's far more straightforward than the internet forums fear. The longer version is below, including the bits nobody explains properly.
The most over-worried-about disclosure in insurance
ADHD is not underwritten like a mood disorder. For most people, ADHD alone means normal questions and normal prices, whether or not you take medication. Stimulant medication like methylphenidate or lisdexamfetamine, prescribed and settled, is not the red flag people assume.
Where insurers ask more is when ADHD sits alongside other things, most commonly anxiety or depression, which is frequent and completely manageable with the right insurer. The mistake isn't having ADHD; it's answering a generic form's clumsy questions without anyone explaining what's actually being asked.
What insurers look at with ADHD
- Whether ADHD comes with anything else, most commonly anxiety or low mood, which is then assessed on its own picture
- Medication, which for settled prescriptions is routine
- Your work and general health, the same as anyone
- For adult diagnoses, simply when and how it was diagnosed
How it works, built for how brains actually work
The health check takes a few minutes and saves nothing for a giant form at the end. A named adviser calls when you choose, explains every question before it's asked, and handles all the paperwork and chasing, so nothing gets lost in a drawer. Straightforward cases can often proceed without a GP report.
Start your free quoteFrequently asked questions
Looking for something else? Read about depression, anxiety, bipolar, men's mental health or women's and maternal mental health.