Anxiety And Depression Life Insurance Help

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Anxiety and depression are far more common that one might think.

In fact, it is estimated that roughly one quarter of the population in the United Kingdom suffers from mental health issues, with the majority of these being anxiety and/or depression related.

Because this is becoming a more common problem, there are a variety of term life insurance cover options available specifically for individuals suffering from these mental health condition.

More About Anxiety Disorders

Ask most people how they would describe anxiety and they would probably express anxiousness, nervousness, and panic. While this is true, there are other conditions or symptoms that fall into the classification of an anxiety disorder.

For instance, did you know that OCD, or Obsessive Compulsive Disorder, is actually a form of anxiety disorder? In addition, other social and simple phobias fall into this classification.

Just how does this affect the ability to obtain insurance? Will there still be a pay-out for the insured if they are found to have been suffering from such a disorder?

Did You Know…

Every insurance company has underwriting protocols that dictate what is and what is not covered. If they do offer coverage, the premiums could be dramatically affected based on the status of various conditions, including mental health disorders.


However, there are companies that specialise in these types of insurance, therefore they are able to offer rates that are more reasonable. It is important to realize this and use the tools at your disposal, such as the team of insurance experts at Genesage Life Insurance that can help you narrow down the search for the best policy for your particular situation or condition.

As you search for policies, it is important to keep a few points in mind:

1. Review GP Notes – it is important to make sure your general practitioner or specialist has accurate notes before sending them off to the insurance company. One small mistake could result in higher premiums. Ask to review them prior to having the doctor submit the report to the insurance company for their evaluation.

2. Be Honest – when trying to secure term life insurance with any type of existing condition, it is best to be as up front as possible on the application. Hiding something outright or neglecting to be fully forthright with the truth will only hurt you in the long run. In fact, if the information provided has been found to be misleading, it could result in the nullification of the policy. You are much better offering complete transparency.

Term Life Insurance Policies Available for Those with Mental Health Conditions

It may have been difficult and/or very expensive to obtain a term life insurance policy in past years, but that is no longer the case. A significant amount of insurance companies have entered this niche and now offer a wide array of policies for individuals suffering from anxiety and/or depression conditions. In fact, if you apply through Genesage Life Insurance some of these companies will offer a discount on the standard rates.

There is surely someone reading this that has had their rates increased, policy cancelled, or been outright refused a coverage due to a mental health condition. It should be noted that just because you are having difficulties in finding a policy on your own does not mean that Genesage Life Insurance will not be able to help you.

In most cases, we have access to more providers willing to take on clients with a variety of pre existing conditions, including mental health issues.


To make the process as easy and quick as possible, be sure to gather all relevant information prior to starting the application process or before contacting one of our insurance experts.

Some things you will need to have available when filling out the application are:

• Medications
• Treating physician
• History of treatment and condition
• Current status of treatment and condition

As with all of our insurance quotes, Anxiety and Depression Term Life Insurance quotes are completely obligation free. There is no hard sell, nor do we demand that you purchase now or lose the ability to obtain coverage. We are merely here to help you find the best coverage and leave it up to you to make the final decision when you are ready to do so.

If you would like more information about Anxiety and Depression Term Life Insurance or would like to discuss coverage options with one of our professionals, please feel free to contact us via phone or via our customer contact support form.

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