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Panic Disorder Life Insurance

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

What Is Panic Disorder Life Insurance?

The Insurance Surgery is a top insurance specialist for people who suffer from all types of pre-existing medical conditions, including Panic Disorder life insurance, critical illness cover and income protection.

As with any other form of mental health problem, there can be issues with getting cover to protect yourself and your family however there are certain insurers who are better than others for Panic Attacks life insurance, critical illness cover or income protection. Generally the milder your symptoms and better control you have means that your premiums will be lower and cover options will be greater so it is important to disclose accurate information about yourself on your application.

Symptoms of Panic Disorder:

Choking feeling

Dizziness

Nausea

Tingling in fingers

Trembling

Underwriters will ask about your symptoms to try to figure out your situation so that they can accurately assess your application for Panic Attacks life insurance, critical illness cover or income protection and provide an accurate decision.

Treatment for Panic Disorder:

Psychological therapy

Medication

Specialist referral

How Panic Disorder life insurance, critical illness cover and income protection 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!

For someone looking for Panic Attacks life insurance, critical illness cover and income protection, there are a number of key factors which will be assessed such as:

Age at diagnosis

Cause of Panic Attacks

Any psychological treatment

Medication

Other health issues

If you need help to get Panic Disorder life insurance, critical illness cover and income protection or if you suffer from any other type of mental health issue then you should speak to one of our team of experts.

Panic Disorder critical illness cover

It is also very possible to get Panic Disorder critical illness cover in the same way as life insurance, especially where the symptoms are mild and the condition is well controlled or there are no ongoing issues. In some cases where the symptoms are more recent or if you have received counselling then you may be asked to provide copies of your medical records from your GP or specialist.

There is a chance that you may have to pay slightly more for Panic Disorder critical illness cover or exclusions may be applied such as mental health related issues if your condition or symptoms are more severe.

Panic Disorder income protection

Often it is fairly simple to get Panic Disorder income protection cover where the symptoms are mild and the condition is well controlled as this is generally considered slightly lower risk for this type of cover as with life insurance and critical illness cover. There are certain instances where there may be additional requirements to provide further information if symptoms are more frequent or severe.

In some cases there may be additional exclusions applied to your offer of cover for Panic Disorder income protection depending on your circumstances and the insurer.

Panic Disorder life insurance

As with most other mental health problems, it is very possible to get Panic Disorder life insurance and often rates can be the same as for someone with no pre-existing medical conditions. Your application for Panic Disorder life insurance will ask about your condition and your symptoms to help insurers to understand more about your circumstances and to apply an appropriate decision.

Some of the most important and key factors to determine the level of cover that will be available to you and how much you will pay for Panic Disorder life insurance are:

How old were you when you were first diagnosed with Panic Disorder

How often do you suffer Panic Attacks

Have you ever had a suicidal attempt or thought

What treatment, medication or counselling do you have

In some more severe or serious cases where the symptoms are more serious and especially where there are suicidal attempts or thoughts then you may find it more difficult to get Panic Disorder life insurance. Some insurance providers are better than others in these types of cases and we will help direct you to the best ones for your situation.

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

If you need help or advice to get the best quote for Panic Disorder life insurance, critical illness cover and income protection to protect your family, home or business then you should speak to one of our experts.

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

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
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 a person with HIV get life insurance?

Yes, absolutely. Due to the recent changes in life insurance underwriting for HIV, we have seen a number of previous restrictions lifted. We now have access to standard rates and ‘whole of life‘ cover with no term restrictions if you are living with HIV, your viral load is undetectable, and your CD4 count is high.

Does a HIV test affect life insurance?

Similar to other pre-existing medical conditions, if you are HIV positive, you will likely pay higher premiums than someone who isn’t. The exact amount depends on your personal circumstances, which will be assessed when you put forward your application.

Does life insurance cover HIV?

If you’ve recently been diagnosed with HIV but already have life insurance, it is well worth reviewing your existing cover, especially if it was obtained several years ago, as it is very likely that some changes could benefit you.

The Insurance Surgery also offers a free Annual Review service to all our existing / new clients. This means that we constantly make sure that you have the right cover for your ever-changing life and check for any changes in underwriting.

Do you offer advice on travel insurance with HIV?

Yes, we do! Use our partner’s Travel Insurance comparison tool to compare over 20 travel insurance quotes, all with your HIV covered, within just a few minutes and only having to input your information once.

How Can The Insurance Surgery Help?

Offering free advice, our experts are ready and waiting to offer protection advice on HIV life insurance policies that would best benefit your circumstances. With 25 years of experience, we’re a trusted broker and pride ourselves on making insurance simple.

We understand that finding life insurance can be tricky, especially when you have a pre-existing condition, so why not leave it to us? Give us a call today, and we’ll help you find the ideal policy that suits your needs and matches your budget.

For More Information, Check Out Our Latest Blogs

Stay informed with the latest updates in the insurance industry for 2025 here.

We aim to provide clear advice, breaking down the jargon, so you understand the importance of protection insurance.

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Panic Disorder Life Insurance

What Is Panic Disorder Life Insurance?

Choking feeling

Dizziness

Nausea

Tingling in fingers

Trembling

Psychological therapy

Medication

Specialist referral

How Panic Disorder life insurance, critical illness cover and income protection works

Age at diagnosis

Cause of Panic Attacks

Any psychological treatment

Medication

Other health issues

Panic Disorder critical illness cover

Panic Disorder income protection

Panic Disorder life insurance

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

Life Insurance for Smokers

Price Promise.

Obtain a cheaper quote elsewhere, we’ll beatthe price and also give you a £50 gift card!*

Frequently Asked Questions

For More Information, Check Out Our Latest Blogs

Monday to Thursday:

Friday:

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

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