What Is Anxiety Life Insurance?
Can you still have life insurance if you live with anxiety? Yes you can!
Thankfully, the insurance industry has come along and recognises that managing mental health is part of everyday life. As anxiety life insurance experts, we can help you find just the right policy.
Risk of aortic rupture
Nosebleeds
Cramping sensations in the legs
Sensitivity to hot and cold
Weak muscles
What are your options if you’ve been turned down for life insurance?
If you’ve been finding getting life insurance with anxiety difficult or have been turned down by one or two insurers, it doesn’t mean you cannot get life insurance with anxiety.
It just means that the insurer, policy or both was not the right one for you.
If you’ve previously been declined a life insurance plan, you’ll naturally be feeling a little frustrated or disheartened.
Don’t give up, though. We’re confident we can help.
At The Insurance Surgery, we’ve helped 70% of people find cover who’d previously been turned down. We cannot tell you how much of a relief it is for them, and us.
That’s why we prefer taking a very personal approach rather than providing instant life insurance online quotes.
All you’ve got to do is pick up the phone and talk to one of our life insurance experts.
Let us know what your experience has been of getting life insurance with anxiety, and together, we’ll find a policy or policies for you.
You’ll love chatting with us. Our friendly, understanding insurance experts know precisely which insurers are more likely to give you the protection you need.
We’ll do whatever we can to put your mind at ease with the right cover – for you and your family.
Working with insurers across the UK
You want to be matched with the right life insurance provider. We want that too. That’s why we focus on finding you the perfect policy that protects you and your family. Our access to high street and independent insurers means that we can find the right Anxiety life insurance policy for you. All you need to focus on is your health.
Severity of the condition
When you were first diagnosed with coarctation of the aorta
Your age
Whether your coarctation of the aorta has been treated surgically
Medications currently being taken
Family medical history
Whether you smoke
Any other related health complications such as heart disease
Our focus is on finding you the right anxiety life insurance cover
Forget what you may have been told about being denied life insurance because of anxiety. We want you to know that life insurance with anxiety is not just possible, it’s surprisingly easy to arrange.
Mental health is a big part of who we all are, and thankfully, insurers recognise this.
Whether you’ve been living with anxiety for 10 years or your feelings are new, we can absolutely find you the right cover.
How do we find the right cover?
Well, our anxiety life insurance experts have access to the whole market, including high street and independent insurers. This means that once we’ve had a chat with you about your life insurance cover needs, we’ll quickly come back to you with the best life insurance policy. One that makes sure you have the right cover should you or your family make a claim.
We’ll take the time to get to know you.
While we ask you a few questions about your mental health, much like we do for any life insurance quote, we’re very compassionate.
Some people love to tell us more about their life with anxiety, and others prefer to provide a brief answer to the qualifying life insurance questions all insurers ask.
Either way, we’re here to listen and provide you with the best life insurance policy for anxiety.
Critical Illness Cover
Just like life insurance, critical illness cover can be available to some sufferers of coarctation of the aorta. Cover will depend on the severity of your condition and the extent to which it impacts on your general health, well-being and lifestyle.
You may find that insurers are more strict when offering policies for critical illness cover. You may need to provide medical confirmation in the form of records from your GP.
If your condition is manageable and you have no symptoms, it is possible to have an application for critical illness cover accepted on standard terms. If however your symptoms are more severe and you have had surgery, you might be offered cover with non-standard terms that are bespoke to your situation.
Contact us at The Insurance Surgery for more details and to be put in touch with insurers offering critical illness cover that fits your unique circumstances.
Income Protection Insurance
If you are running or supporting a household with bills to pay, it’s a good idea to consider Income Protection Insurance.
This is especially important for anyone living with HIV who is self-employed and doesn’t have access to sick pay. Income Protection can reduce the stress of paying rent, mortgage or monthly bills.
Taking away the complications of anxiety life insurance
If you’ve already searched for life insurance with anxiety, you may feel a little overwhelmed by the number and type of policies available. Life insurance policies can be tricky to understand at the best of times, let alone if you’re trying to work out if having anxiety excludes you from cover.
That’s where our experienced team of anxiety life insurance specialists can help.
We take the time to explain, in plain English, what your life insurance cover options are and walk you through your policy options. Taking a personal approach to anxiety life insurance, we sift out any policies that are not 100% right to arrive at the best life insurance anxiety cover for you and your family.
We talk you through the differences between a whole-life policy and a term policy, and help you decide how much cover you’ll need.
Crucially, we carefully consider any exclusions that may apply based on your medical history and anxiety diagnosis (if you have one).
Most importantly, we never forget that behind every life insurance claim, there’s a family who have lost a loved one and need the claims process to run smoothly. That’s why, when it comes to life insurance with anxiety cover, we take the time to understand how you wish your family to be protected.
What’s more, we promise to be there for your loved ones. We’ll help them check what your policy covers, fill out any forms, find the right paperwork, and more. It’s really quite simple – we care.
Getting life insurance with anxiety is easier than you think
Today, there’s far more awareness, and thankfully acceptance, of mental health. But if you’re living with anxiety, what does this mean for your life insurance?
Sadly, there’s still a misconception that you can’t get life insurance if you have anxiety, but this is simply not true. Every day, we arrange cover for people who live with:
Obsessive Compulsive Disorder (OCD)
Post-Traumatic Stress Disorder
And a whole host of mental health conditions
Each year, 1 in 4 people in England experience a mental health problem. So, as life insurance experts, we find people with even the most complex anxiety diagnosis a policy that meets their needs.
We rarely come across someone looking for life insurance with anxiety who we cannot help.
Our network of income protection and life insurance providers includes all the big names you’d expect and niche insurers offering hyper-personalised cover. We match you with a life insurance or income protection policy that will kick in when you and your family need it.
Can you be denied life insurance due to anxiety?
All insurers will assess your application for life insurance based on the nature of your anxiety and your most recent medical history. Each insurer will have a different level of risk that they are willing and able to take.
Where one insurer may consider a heightening of your condition too much of a risk, another may be more than happy to provide you with cover.
By getting to know you, we’ll already have a good idea of the insurers that will offer you life insurance with anxiety.
We can also discuss your family’s medical history to see if you would benefit from a critical illness policy and help make sure that you’ve got the right income protection.
Whether you’re looking for individual policies or a full insurance plan that takes care of everything, we’ll help you find the best insurance policy.
We’ll find you the best anxiety life insurance quote
We get it. Going it alone to find life insurance with anxiety is not a walk in the park. Much like any life insurance policy, there’s a lot to consider. Then, once you’ve found some possible options, the premiums (the price you pay) can vary widely.
Choosing the best life insurance when living with anxiety is about so much more than just the premiums (although ours are confidently the lowest you’ll find). It’s about knowing that you’re paying for a policy that will absolutely pay out, if needed.
You need to know that your most important financial commitments and loved ones are taken care of, and that is priceless.
One of the many benefits of providing life insurance for more than 20 years is that we know exactly how to deliver on both – getting you the right insurance policy for the right price.
At The Insurance Surgery, we care about doing things properly. Not just because we’re highly regulated, but because we understand what living with anxiety is like.
We care for all the little, and not-so-little details.
We don’t like to see you paying for something you already have cover for. That’s why, we help you explore what your employer offers, your existing policies, and, if you’re self-employed, what cover you already have.
This personal service is why so many people living with anxiety choose us their income protection and life insurance needs.
What are your options if you’ve been turned down for life insurance?
If you’ve been finding getting life insurance with anxiety difficult or have been turned down by one or two insurers, it doesn’t mean you cannot get life insurance with anxiety.
It just means that the insurer, policy or both was not the right one for you.
If you’ve previously been declined a life insurance plan, you’ll naturally be feeling a little frustrated or disheartened.
Don’t give up, though. We’re confident we can help.
At The Insurance Surgery, we’ve helped 70% of people find cover who’d previously been turned down. We cannot tell you how much of a relief it is for them, and us.
That’s why we prefer taking a very personal approach rather than providing instant life insurance online quotes.
All you’ve got to do is pick up the phone and talk to one of our life insurance experts.
Let us know what your experience has been of getting life insurance with anxiety, and together, we’ll find a policy or policies for you.
You’ll love chatting with us. Our friendly, understanding insurance experts know precisely which insurers are more likely to give you the protection you need.
We’ll do whatever we can to put your mind at ease with the right cover – for you and your family.
Facts About Anxiety
Many people do not realise how serious Anxiety can be and the fact that Anxiety is a group of Mental Health conditions, including feeling Anxiety or Fear. Anxiety is where a person will find that they are unable to control that they will worry about future events, Fear is an uncontrollable reaction to events happening here and now.
Anxiety Statistics (UK):
8.2 Million Cases of Anxiety in the UK in 2013
The Likelihood Of Feeling Anxiety Is Doubled In Women To Men
13% Of The Adult Population Will Experience Anxiety
Some Physical Symptoms Of Anxiety
Increased Heart rate
Chest pains/ Tightening
Excessive sweating
Feeling Nauseous
Pins and needles in hands and feet
Short of Breath.
Critical Illness Cover
Just like life insurance, critical illness cover can be available to some sufferers of coarctation of the aorta. Cover will depend on the severity of your condition and the extent to which it impacts on your general health, well-being and lifestyle.
You may find that insurers are more strict when offering policies for critical illness cover. You may need to provide medical confirmation in the form of records from your GP.
If your condition is manageable and you have no symptoms, it is possible to have an application for critical illness cover accepted on standard terms. If however your symptoms are more severe and you have had surgery, you might be offered cover with non-standard terms that are bespoke to your situation.
Contact us at The Insurance Surgery for more details and to be put in touch with insurers offering critical illness cover that fits your unique circumstances.
Income Protection Insurance
If you are running or supporting a household with bills to pay, it’s a good idea to consider Income Protection Insurance.
This is especially important for anyone living with HIV who is self-employed and doesn’t have access to sick pay. Income Protection can reduce the stress of paying rent, mortgage or monthly bills.
The Insurance Surgery has over two decades of experience helping people with Anxiety obtain life insurance. We can also secure critical illness cover, income protection and any other financial products they may require under the financial conduct authority.
