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Contact our specialist team for FREE expert help & advice 0800 083 2829

Schizophrenia Life Insurance

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

What Is Schizophrenia Life Insurance?

The Insurance Surgery is proud to be one of the UK’s leading insurance specialists for people suffering from all types of mental health problems including Schizophrenia life insurance, critical illness cover and income protection. There are a wide variety of possible issues for someone who suffers from a mental illness which can make the possibility of applying for Schizophrenia life insurance, critical illness cover or income protection seem quite daunting and potentially scary.

For someone with mental health problems looking for some cover to protect their family, home or business, it can be an emotionally draining process and especially if you have been declined cover elsewhere previously.

Here we look at how having Schizophrenia can affect your chances of getting life insurance, critical illness cover and income protection so you know what to expect when you speak to one of our team of experts. Our specialist advisers have been dealing with life insurance applications for people with Schizophrenia for many years and have helped thousands of people in similar circumstances to you.

Some symptoms of Schizophrenia:

There are some so called positive and negative symptoms of Schizophrenia which can have a range of possible implications for life insurance, critical illness cover and income protection applications.

How Schizophrenia 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!

Anyone who needs a quote for Schizophrenia life insurance, critical illness cover or income protection will be required to disclose certain pieces of information about their condition and health for underwriters, such as:

When diagnosed

Medication

Treatment or counselling

Suicidal thoughts or attempts

Other medical or health problems

If you need help or advice to get a competitive quote for Schizophrenia life insurance, critical illness cover and income protection then you should speak to one of our team of expert advisers.

Schizophrenia critical illness cover

There are potentially some specialist insurance products which may be appropriate for someone looking for Schizophrenia critical illness cover, however these may not provide cover for your existing condition. Speak to our experts to find out more.

Schizophrenia income protection

As above for income protection, there are potentially some specialist insurance products which may be appropriate for someone looking for Schizophrenia income protection, however these may not provide cover for your existing condition. Speak to our experts to find out more.

 

Schizophrenia life insurance

There is a range of potential outcomes when applying for Schizophrenia life insurance which will depend on your own circumstances and details of your condition. You will almost always be required to provide copies of your medical records when applying for Schizophrenia life insurance so that underwriters can accurately assess your application. Generally you will find that your offer for cover include some level of increase to your premiums to reflect the potential increase in risks relating to Schizophrenia and life insurance.

Some of the main factors for underwriting Schizophrenia life insurance:

When were you first diagnosed with Schizophrenia

What treatment or counselling do you/have you received

Have you ever attempted suicide or had suicidal thoughts

Have you ever had a psychotic episode

What type of medication do you take and what dosage

Your Schizophrenia life insurance premiums can vary dramatically from one insurance provider to another depending on which insurer you apply to so you need to make sure that you speak to a specialist. You should also be aware that some insurance providers are good for mental health underwriting and others are not so you may find that you could be declined by some insurers and accepted by others for Schizophrenia life insurance.

There are also some specialist insurers and products for people who struggle to get cover through the standard market so speak to one of our experts to find out more.

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 information and a competitive quote for Schizophrenia life insurance, critical illness cover or income protection, call our team of experts today.

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 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.

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.

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.

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.

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.

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.

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