Life insurance with depression
If depression is part of your story, past or present, you may have quietly assumed life insurance would say no, or punish you for the treatment that helped. For many people, neither is true. What insurers care about is the picture, and for a lot of people the picture is far better than they think.
The gap between what people fear and what actually happens
The fear: the word depression in your notes means a decline or a silly price. The reality: mild or historic depression, with things stable, is frequently accepted at standard rates. Antidepressants, settled and working, read as management, not risk. Counselling reads as someone who dealt with things.
Where more questions come is around recency and the harder chapters: recent long spells off work, hospital admissions, or a history of self-harm or suicidal thoughts. Those don't automatically mean no, but they do mean the choice of insurer and the timing matter, and that's precisely where a specialist earns their place.
What insurers look at with depression
- When it was diagnosed and how long things have been stable
- Treatment: medication and its stability, therapy past or present
- Time off work, especially recently
- Hospital admissions, if any
- Any history of self-harm or suicidal thoughts, with recency mattering most
- How you are now, and your general health
How it works
A few respectful questions online, at your own pace. A private conversation with a specialist adviser who has this conversation every day. Discreet checks with the right insurers before anything formal goes on your record. Then we handle the paperwork and keep you updated.
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Looking for something else? Read about anxiety, adhd, bipolar, men's mental health or women's and maternal mental health.