ADHD Life Insurance [Medical Guide 2025]

Q: Can I get life insurance with ADHD?

Yes, it could be possible to secure a life insurance policy if you have ADHD (attention deficit hyperactivity disorder). Living with a mental health disorder doesn’t necessarily mean you won’t be able to secure a form of cover.

Q: Do I need to tell insurers about my ADHD?

Yes, when applying for life insurance you’ll be asked a series of questions regarding your health, including any mental health issues you may live with. With this information insurers can determine your eligibility and cost of your policy. It’s essential to understand that you must be honest and declare any physical or mental health issues in the application so that your policy is correct. If not, your loved ones could risk not receiving a pay out due to non-disclosure.

Q: Is ADHD considered a pre-existing medical condition?

Yes, ADHD could be considered a pre-existing medical condition if you have been diagnosed or have had symptoms presented before applying for a policy. A pre-existing medical condition is any health issue or illness you had before applying for a life insurance policy and usually help insurers determine the cost of your premiums and eligibility. Meaning, you will need to declare information about your diagnosis to insurers during the application. Don't let this concern you, as it's simply so that insurers can comprehend your health.

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ADHD life insurance

Can I get life insurance with ADHD?
Do I need to tell insurers about my ADHD?
Will having ADHD affect my life insurance?
What will I be asked in the application process?
What policy options are available?
Is ADHD considered a pre-existing medical condition?
Can I be denied life insurance for ADHD?
ADHD information & support
Compare life insurance quotes with ADHD

Can I get life insurance with ADHD?

Yes, it could be possible to secure a life insurance policy if you have ADHD (attention deficit hyperactivity disorder).

Living with a mental health disorder doesn’t necessarily mean you won’t be able to secure a form of cover.

According to ADHD UK, there are 2.6 million people in the UK who’ve been diagnosed with ADHD^[1].

Reassured have written this informative guide on what possible life insurance options could be available for those with ADHD.

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Life insurance and ADHD key points:

It could be possible to secure life insurance with ADHD, by comparing a variety of quotes you could discover a suitable option for your needs
There isn’t a specific policy called ‘ADHD life insurance’, this simply refers to someone living with ADHD securing life insurance
Typically, ADHD is hereditary and can be passed down genetically
ADHD affects how you pay attention, sit still and control your behaviour
In some cases, the details of your condition (e.g. the severity of ADHD you have or how frequent/severe your symptoms are) could impact your eligibility and the price you pay

Do I need to tell insurers about my ADHD?

Yes, when applying for life insurance you’ll be asked a series of questions regarding your health, including any mental health issues you may live with.

With this information insurers can determine your eligibility and cost of your policy.

It’s essential to understand that you must be honest and declare any physical or mental health issues in the application so that your policy is correct. If not, your loved ones could risk not receiving a pay out due to non-disclosure.

Will having ADHD affect my life insurance?

Having ADHD alone may not affect your actual cover, although having any other pre-existing medical conditions potentially could too.

If you aren’t severely affected by symptoms, you may be able to secure standard cover, which can start from just 20p-a-day through Reassured^†.

If your daily life isn’t affected by your ADHD it’s unlikely to impact your premiums, however if you have co-existing conditions relating to your ADHD or if you’ve had hospitalisations, then you may see an increase in the price you pay.

Being transparent about your condition and demonstrating stability in your lifestyle could help you secure the right terms from insurers.

What will I be asked in the application process?

When applying for life insurance you’re typically asked about the following:

Age
Smoking status
BMI
Medical history
Lifestyle / occupation
Health and wellbeing (this could include your ADHD diagnosis)
Policy details

When informing insurers of any medical conditions you may have, you may be asked further questions regarding this, so the insurer can gain a better understanding.

For example, after declaring your ADHD diagnosis, you may be asked the following:

When were you diagnosed with ADHD and what type do you have?
Are you currently on any medication / treatment (if any)?
Does ADHD significantly affect your day-to-day life?
Do you have any other conditions relating to ADHD, such as anxiety or depression?

These questions help insurers understand the severity of your ADHD and its impact on you and your health.

What policy options are available?

When you apply for life insurance with ADHD, you’ll find a variety of life insurance options available to meet different needs and circumstances.

Some of the most popular options can include:

Level term life insurance

A form of cover that provides a fixed pay out if you were to pass away during the term of your policy.

Both premiums and your pay out amount (sum assured) will remain the same throughout, which could be ideal for those with financial obligations.

Decreasing term life insurance

A form of cover that reduces over time, often aligning with a repayment mortgage, that decreases in line with your mortgage as you pay it off.

Premiums typically are cheaper with this policy.

Over 50s life insurance

A policy different to the others, that is suitable for UK residents aged 50 - 85 with guaranteed acceptance and no medical questions asked, allowing any pre-existing conditions to not affect your cover. Typically, insurers include a waiting period which is usually 12 - 24 months, meaning if you pass away in this time, you won’t receive a pay out.

Whole of life insurance

Whilst a slightly more expensive option, this type of policy provides lifelong cover and a lump sum pay out to your loved ones when you pass away, not if.

An excellent option for ensuring a pay out in the long term.

Why not find out how much life insurance you need using our life insurance calculator below:

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Why use Reassured for ADHD life insurance?

Reassured is the UK’s largest broker with more than 15 years industry experience^*
Our specialist impaired team are excellent at finding some form of cover for those previously declined
Our no-obligation, fee-free quotes are from a panel of the UK’s top leading providers, including smaller specialists through our advised team
Award-winning service rated ‘Excellent’ on Trustpilot from 80,000+ customer reviews
Free trust writing service (avoid or minimise 40% inheritance tax)
Our service is award-winning & Financial Conduct Authority (FCA) regulated
No confusing industry jargon

Is ADHD considered a pre-existing medical condition?

Yes, ADHD could be considered a pre-existing medical condition if you have been diagnosed or have had symptoms presented before applying for a policy.

A pre-existing medical condition is any health issue or illness you had before applying for a life insurance policy and usually help insurers determine the cost of your premiums and eligibility.

Meaning, you will need to declare information about your diagnosis to insurers during the application. Don't let this concern you, as it's simply so that insurers can comprehend your health.

Can I be denied life insurance for ADHD?

The severity of your condition and its impact on your overall health can play a significant role in this decision.

Whilst it could be unlikely to be denied a policy for your ADHD diagnosis alone, insurers will calculate the risk to based on a variety of factors.

If you experience mild symptoms and find you aren’t affected on your day-to-day, you could potentially secure standard cover.

If you’re worried about being declined for health reasons and between the age of 50 - 85, an over 50s life insurance policy could be a suitable option as no medical questions are asked in the application.

If you’ve previously been declined life insurance, Reassured’s advised team offers a specialist service to help you secure some form of cover.

ADHD information & support:

Compare life insurance quotes with ADHD

Hopefully this article has helped you gain a clearer understanding that securing life insurance could be possible if you have ADHD.

Life insurance premiums vary throughout providers, regardless of your personal circumstances, therefore it’s essential that you compare quotes to find the right deal for you.

At Reassured, we provide no obligation, fee free quotes from our panel of leading UK life insurers, as well as a specialist advised team to help those worried about/ have previously been declined.

Our friendly call handlers can guide you throughout the entire process, answering all your questions and making sure you feel well informed.

Why not get in touch today and find the right policy for you?

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