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Post-Traumatic Stress Disorder (PTSD) Life Insurance

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

What Is Post-Traumatic Stress Disorder (PTSD) Life Insurance?

The Insurance Surgery is a leading insurance expert for all types of mental health disorders including Post Traumatic Stress Disorder (PTSD) life insurance, critical illness cover and income protection. There are several insurance providers who are especially good for mental illness insurance cover so it’s important to make sure that you apply to the best ones for your circumstances. Our team of insurance experts will find out about you and your condition to be able to find the most suitable Post Traumatic Stress Disorder (PTSD) life insurance, critical illness cover or income protection policies for you.

Here we look at how Post Traumatic Stress Disorder (PTSD) can affect applications for life insurance, critical illness cover or income protection to explain what the process will be for you when you apply. It is important to make sure that you apply to the right insurance provider for your Post Traumatic Stress Disorder (PTSD) life insurance, critical illness cover or income protection to protect your family, home and business.

Symptoms of Post-Traumatic Stress Disorder (PTSD):

Flashbacks

Anger/Aggression

Insomnia

Hyperarousal

Self-harm

Some of the combinations of symptoms above can cause issues with getting Post-Traumatic Stress Disorder (PTSD) life insurance, critical illness cover and income protection because they can be classed as higher risk.

Treatment for Post-Traumatic Stress Disorder (PTSD):

Detailed assessment

Watchful waiting

Psychotherapy (e.g. CBT, group therapy etc.)

Amitriptyline

Phenelzine

Paroxetine

Sertraline

How Post-Traumatic Stress Disorder (PTSD) 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!

Some of the main points which would be assessed by underwriters when reviewing an application for Post-Traumatic Stress Disorder (PTSD) life insurance, critical illness cover and income protection are:

Date diagnosed

Symptoms

Severity of symptoms

Medication or treatment

Any suicidal thoughts or attempts

You need to make sure that you apply to the best insurance providers when you have a mental health issue and need some personal protection cover such as Post-Traumatic Stress Disorder (PTSD) life insurance, critical illness cover and income protection.

Post-Traumatic Stress Disorder (PTSD) critical illness cover

There is a strong possibility that you may be able to get Post-Traumatic Stress Disorder (PTSD) critical illness cover and especially where the symptoms are mild or if there has been a long period of time since diagnosis. If you have received specialist treatment or if you are still receiving counselling then you may find that your offer of cover could have certain exclusions or premiums could increase.

In certain circumstances where the symptoms are more severe then you may also find that Post-Traumatic Stress Disorder (PTSD) critical illness cover could be declined or postponed for a period.

Post-Traumatic Stress Disorder (PTSD) income protection

It is also possible to get cover for Post-Traumatic Stress Disorder (PTSD) income protection where the symptoms are mild or for people where the diagnosis was several years ago. Insurance underwriters will also want to know whether you have had much time off work in recent years to assess the levels of risk involved for your application.

Post-Traumatic Stress Disorder (PTSD) life insurance

In some cases it is possible to get Post-Traumatic Stress Disorder (PTSD) life insurance fairly easily and premiums can range from standard rates which is the same rate as someone with no mental health issues. The amount that you will pay for cover will depend on whether you have any other health issues and how severe your symptoms are, especially if you have experienced suicidal thoughts or attempts.

Some of the main issues for Post-Traumatic Stress Disorder (PTSD) life insurance:

How long have you suffered from Post-Traumatic Stress Disorder (PTSD)

Have you had any psychotherapy or counselling

What is your treatment or medication

Have you had any self-harm or suicidal attempts/thoughts

There is a possibility that your offer for Post-Traumatic Stress Disorder (PTSD) life insurance could be rated so your premiums could be slightly higher if your symptoms are more severe. In certain circumstances where the symptoms are more serious (e.g. suicidal problems) then you may need to apply to a specialist insurer.

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

For more help with your quote for Post-Traumatic Stress Disorder (PTSD) life insurance, critical illness cover and income protection then you should contact one of our team of experts today on 0800 083 2829.

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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Post-Traumatic Stress Disorder (PTSD) Life Insurance

What Is Post-Traumatic Stress Disorder (PTSD) Life Insurance?

Flashbacks

Anger/Aggression

Insomnia

Hyperarousal

Self-harm

Detailed assessment

Watchful waiting

Psychotherapy (e.g. CBT, group therapy etc.)

Amitriptyline

Phenelzine

Paroxetine

Sertraline

How Post-Traumatic Stress Disorder (PTSD) life insurance, critical illness cover and income protection works:

Date diagnosed

Symptoms

Severity of symptoms

Medication or treatment

Any suicidal thoughts or attempts

Post-Traumatic Stress Disorder (PTSD) critical illness cover

Post-Traumatic Stress Disorder (PTSD) income protection

Post-Traumatic Stress Disorder (PTSD) 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

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!*