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Stress Life Insurance

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

What Is Stress Life Insurance?

The Insurance Surgery is a leading insurance expert for people with all types of mental health problems which includes life insurance, critical illness cover and income protection. People who suffer from all types of mental health problems will need to disclose information about their condition to underwriters when applying for any type of cover to protect themselves or their family.

In the case of Stress life insurance, critical illness cover and income protection you will find that there may be a range of possible outcomes which can be anything from standard rates for milder symptoms or historical issues all the way to decline where the symptoms are more acute with serious implications on health.

In this article we look at how an application for Stress life insurance, critical illness cover or income protection will be treated by underwriters to show you what you might be able to expect prior to applying for cover. If you have applied for Stress life insurance, critical illness cover or income protection previously then you will know that there are questions you will need to answer about your medical history and general health to support your application.

Symptoms for Stress:

It can be difficult for underwriters to accurately assess an application for Stress life insurance, critical illness cover and income protection as with most types of mental health problems.

How Stress 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 with a history of Stress looking for life insurance, critical illness cover or income protection will be asked to provide information about their condition such as:

Age diagnosed

Symptoms

Cause

Treatment or medication

Counselling

Depending on the severity of your condition and your symptoms will have a direct impact on the premiums you will pay for Stress life insurance, critical illness cover and income protection so call one of our experts today for more information.

Stress Critical Illness Cover

It is also possible to get a policy for Stress critical illness cover in most cases and generally we find that insurers are happy to accept applications with this type of mental health condition. You may also find that premiums for Stress critical illness cover can vary from standard rates for mild to moderate symptoms or possible slight increases to premiums for more acute or recent issues. Some applications for Stress critical illness cover will be accepted with an exclusion to the policy which can either be related to mental health or total and permanent disability.

Stress Income Protection

Due to the nature of this type of policy you may find that it can be slightly more difficult to get a Stress income protection policy. Insurance underwriters will want to know whether you have had any time off work because of stress and potentially apply a loading or exclusion to your Stress income protection policy.

 

Stress Life Insurance

It can be fairly simple to get cover for Stress life insurance as this is seen as one of the lower risk mental health conditions when applying for this type of cover. You may even find that you will be able to get a Stress life insurance policy at the same premiums as for someone with no previous medical issues. Underwriters will want to see a copy of your medical records in some cases where the symptoms are more severe or for more recent issues where you are currently receiving treatment.

Some of the main areas to be assessed by underwriters when reviewing and application for Stress life insurance:

How old were you when you were first diagnosed

What was the cause of your stress

Have you had any counselling or psychiatric treatment

Are you currently taking medication

Rates for Stress life insurance can vary from insurance provider to insurance provider and premiums can range from standard rates which are the same as someone with no medical issues to potential decline if there are multiple issues.

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 or to get a competitive quote for Stress life insurance, critical illness cover and income protection then you should give us a call to speak to one of our 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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