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Depression Life Insurance

You may have found it difficult to secure life insurance with Depression Life Insurance. But rest assured, The Insurance Surgery has over 25 years of experience finding suitable policies for our clients.

What Is Depression Life Insurance?

If you suffer from Depression and you need life insurance then you may find it difficult to get it at the right price. You might simply want to speak to someone that understands your needs. In this section, we look at how easy it can be to get life cover for people who suffer from Depression, and how the process works.

In many cases, we find that we are able to obtain Life Insurance for people with a history of Depression, and often with no loadings applied. Generally, for people with Depression, Life Insurance premiums will not be rated if the condition is well controlled and there has been a period without any hospitalisation, treatment, self-harm or suicidal thoughts/ attempts.

If there have been more recent instances of self-harm, suicidal thoughts/ attempts or psychiatric treatment then you may find that a loading is applied. In more severe cases where there have been more than a set number of attempts in recent times, then it may even result in cover from standard insurance providers being declined. Our panel of specialist providers offers cover for people who have been declined elsewhere.

High blood pressure (hypertension)

Increased stroke risk

Risk of aortic rupture

Nosebleeds

Angina

Cramping sensations in the legs

Sensitivity to hot and cold

Weak muscles

Those with severe coarctation of the aorta usually require surgery, although this will depend on their age and overall health. The required procedure is one that widens the aorta, known as an angioplasty procedure.

How Depression Life Insurance works:

STEP 1

Complete form

STEP 2

Speak to us about your needs

STEP 3

We’ll search the market

STEP 4

We recommend the best product to suit your needs

STEP 5

Tell us when you want it to start!

Underwriting for life insurance with Depression will depend on a number of key factors. These include:

Age of diagnosis

Condition you have been diagnosed with

Any event relating to diagnosis

Most recent attack / episode

Any instances of self-harm

Suicide attempts or suicidal thoughts

Medical history

Medication / Treatment / Counselling / psychiatric help

The Insurance Surgery has a vast amount of experience in working with people who suffer from Mental Health issues like depression and anxiety. We work with a number of major mental health charities, such as Mind and Rethink.

Critical Illness Cover with Depression

As we find with Life Insurance underwriting for Depression and other similar conditions like stress and anxiety, decisions can vary significantly from one provider to another. It is important that we approach the best insurer for you. It is often the case that we are able to obtain Critical Illness Cover at standard rates with no exclusions if there has been a period of stability with no treatment or symptoms.

In some more severe cases, we can find Critical Illness cover for Depression can be loaded or cover can even be declined. If you have suffered more recent attacks (e.g. self-harm, suicidal attempts or alcohol / drug abuse) or you are currently under psychiatric treatment then you may struggle to obtain Critical Illness cover. You could, however, still secure cover with certain exclusions applied including mood disorder or mental heath exclusions.

Income Protection for Depression

The reality for Income Protection and Depression is that it will generally require some underwriting and can either come with a loading on the premium or exclusions relating to mental illness. There is also potential for it to be declined. If the condition is well controlled and there has been a period of several years since the last episode / any symptoms then you may be offered terms on a standard basis.

Facts about Depression

Depression is a growing issue in the UK and across the globe. It is now the largest Mental Health disorder in the Western World and numbers keep going up.

Depression stats (UK):

1 in 5 people will suffer from Depression in their lives

1 in 4 people will experience mental health problems

In 2014 there were 6,122 recorded suicidal attempts (people aged 10+)

615 million people worldwide suffer from Anxiety or Depression

Bipolar:

Bipolar disorder is where a person will experience vast and sometimes uncontrollable mood swings, from low mood to periods of manic moods, with periods of calm (normal mood) in between.

Eating Disorders:

Eating disorders (also known as Bulimia, Anorexia, Binge-Eating Disorder and Emotional Overeating) are usually caused when a person has a difficult relationship with food.

Obsessive Compulsive Disorder (OCD):

Became well-known thanks to a number of Hollywood films that document / depict the life of someone with OCD. Many people do believe they suffer from this condition but the reality is that the effects are far more severe than most people experience in daily life.

People with OCD can find normal daily life incredibly difficult and unwanted thoughts mean that they are forced to repeat certain routines to be able to perform other tasks.

Personality Disorder:

There are several types of personality disorder such as Paranoid PD, Schizoid PD, Antisocial PD and Obsessive Compulsive PD.

Someone with a personality disorder may find themselves with traits and problems that cause regular and / or long term issues that affect how they are able to live their life.

Post-Traumatic Stress Disorder (PTSD):

PTSD is most common in ex-military individuals who have experienced extremely traumatic events that cause long lasting damage to their mental state.

Schizophrenia

Schizophrenia is a mental health condition where the part of the brain responsible for sensation and emotion doesn’t work properly which causes hallucinations and delusions.

Do You Need Life Insurance?

If you’re the primary breadwinner or share financial responsibilities, a life insurance policy can help your family maintain their standard of living in the unfortunate event that you’re no longer around to support them.

Life Cover Terminology

Understanding life insurance terminology is essential for policyholders to make informed decisions about their cover, we have broken down the meaning for some of the most used terms.

Useful Links

The Insurance Surgery is a leading life insurance and travel insurance expert for people living with a pre-existing medical condition such as Depression. We work with a large number of people who suffer from mental health problems and we understand how difficult obtaining life insurance or travel insurance can be. When you want to speak to someone who understands your condition and is sympathetic to your needs, we’re here to help.

Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

We take pride in the experience that we offer, guaranteeing excellent service at all times.

25 years Experience.

With 25 years of specialist life and protection experience, we can find the perfect policy for you.

Access to a range of insurers.

With a broad selection of partners, we are well-equipped to find the best insurance deals for you.

Award-winning broker.

Known for making insurance simple, The Insurance Surgery is a trusted, award-winning broker.

Benefit from Our Life Insurance Policies Today.

Relax, knowing that your family can receive the financial support that they need after you pass, and trust The Insurance Surgery to guide you through the life insurance process. With 25 years behind us, we are a trusted broker known for our expertise, prioritising transparency, and providing excellent customer service. So, rely on us to ensure you receive the cover you need at a fair and affordable price.

For a life insurance quote, contact us today on 0800 083 2829 to schedule a free consultation and take the first step towards protecting yourself and your loved ones financially.

Understanding Inheritance Tax (IHT) and Life Insurance

Understanding how IHT works and the ways to mitigate its impact can help you plan and ensure that your loved ones don’t face unexpected tax bills.

How Much Does Life Insurance for HIV Cost?

Since the introduction of Highly Active Antiretroviral Therapy (HAART), premiums for those living with HIV have significantly reduced over the last 15 years. The amount you pay each month in policy premiums depends on your specific circumstances. When assessing your application, insurers will take into account factors such as your CD4 count and viral load.

Our experts will help you find the best deal to suit your needs and budget, taking the time to go through the different policies and discuss any concerns you may have.

For a clearer idea of the average cost of life insurance, visit our Guide.

Life Insurance with HIV Case Study 1

James is 31 years old and was diagnosed with HIV in 2017. He wanted to obtain both life insurance and critical illness cover to support his wife and child should anything happen.

We found James Life Insurance & Critical Illness Cover below:

Total Cover
Amount:

£40,000

Monthly Premium
Cost:

£22.41

Duration of
Policy:

30 years

Life Insurance with HIV Case Study 2

Jean is aged 45 and was diagnosed with HIV in 2011. She is keen to secure level life insurance for her and her partner.

We found Jean the Level Life Insurance below:

Total Cover
Amount:

£160,000

Monthly Premium
Cost:

£15.23

Duration of
Policy:

20 years

How much cover do you need?

You can use our Cover Calculator below to determine how much cover you need. Additionally, you will need to take into consideration the following:

Any outstanding debts

Mortgage/rent

Number of dependants

Take-home pay or income from other sources

Speak to our team of experts for FREE
specialist advice today.

Monday to Thursday:

9:00am – 8:00pm

Friday:

9:00am – 3:00pm

Facts About Life Insurance.

Life insurance can serve multiple purposes, including income replacement, wealth transfer, estate planning, and business succession. But how does life insurance shape up with the UK population?

7.5 million families

in the UK have no life insurance or critical illness cover.

£40,000

The average life insurance policy in the UK covers only about £40,000.

28%

of UK adults believe life insurance is too expensive.

96.9%

of all protection case claims were paid in 2024

Forbes Advisor, 2025

Life insurance is unique – just like you.

Life Insurance for Parents

Life Insurance for Dads

Life Insurance for Sports & Hobbies

Life Insurance for Self-Employed

Income Protection

Life Insurance for Smokers

Price Promise.

Obtain a cheaper quote elsewhere, we’ll beat<br>the price and also give you a £50 gift card!*

We are committed to offering unbeatable prices. Our
Price Promise ensures that we will find you the right
cover for your circumstances.

Frequently Asked Questions

Can you get life insurance if you have depression?

Life Insurance for Depression will depend on the severity of the condition, your current treatment / medication and any hospitalisation or suicidal attempts or thoughts. Insurers underwriting can vary dramatically for Mental Health so it is important that we apply to the best company for your circumstances and ensure that we have all the information that we need. In some cases, it may be possible to get Life Insurance for Depression with no loadings if it is well-controlled with no recent episodes.

Check if you can get life insurance with our ‘Can you get life insurance with depression’ blog.

What if I have been declined Life Insurance previously because of my Depression?

Some insurance providers are stricter than others when it comes to Mental Health and Life Insurance. You will find that decisions can vary widely. It is important that we approach the best provider for your circumstances. In more severe cases, we can offer specialist products from our wider panel of insurers that we work with.

Can I get Critical Illness Cover or Income Protection with Depression?

Generally, you may be considered for other products such as Critical Illness Cover or Income Protection even if you have a history of Depression.

It will depend on the severity of your condition, medication / treatment and any other related issues such as suicidal attempts or thoughts, alcohol abuse or self-harm.

For More Information, Check Out Our Latest Blogs

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Depression Life Insurance

What Is Depression Life Insurance?

Risk of aortic rupture

Nosebleeds

Cramping sensations in the legs

Sensitivity to hot and cold

Weak muscles

How Depression Life Insurance works:

Age of diagnosis

Condition you have been diagnosed with

Any event relating to diagnosis

Most recent attack / episode

Any instances of self-harm

Suicide attempts or suicidal thoughts

Medical history

Medication / Treatment / Counselling / psychiatric help

Critical Illness Cover with Depression

Income Protection for Depression

Facts about Depression

Depression stats (UK):

Other types of Mental Health problems

Bipolar:

Eating Disorders:

Obsessive Compulsive Disorder (OCD):

Personality Disorder:

Post-Traumatic Stress Disorder (PTSD):

Schizophrenia

Life Cover Terminology

Useful Links​

Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

25 years Experience.

Access to a range of insurers.

Award-winning broker.

Benefit from Our Life Insurance Policies Today.

How Much Does Life Insurance for HIV Cost?

For a clearer idea of the average cost of life insurance, visit our Guide.

Life Insurance with HIV Case Study 1

Total Cover Amount:

£40,000

Monthly Premium Cost:

£22.41

Duration of Policy:

30 years

Life Insurance with HIV Case Study 2

Total Cover Amount:

£160,000

Monthly Premium Cost:

£15.23

Duration of Policy:

20 years

How much cover do you need?

Any outstanding debts

Mortgage/rent

Number of dependants

Take-home pay or income from other sources

Speak to our team of experts for FREE specialist advice today.

Monday to Thursday:

Friday:

Facts About Life Insurance.

7.5 million families

in the UK have no life insurance or critical illness cover.

£40,000

The average life insurance policy in the UK covers only about £40,000.

28%

of UK adults believe life insurance is too expensive.

96.9%

of all protection case claims were paid in 2024

Life insurance is unique – just like you.

Life Insurance for Parents

Life Insurance for Dads

Life Insurance for Sports & Hobbies​

Life Insurance for Self-Employed

Income Protection

Useful Links

Total Cover
Amount:

Monthly Premium
Cost:

Duration of
Policy:

Total Cover
Amount:

Monthly Premium
Cost:

Duration of
Policy:

Speak to our team of experts for FREE
specialist advice today.

Life Insurance for Sports & Hobbies