Can I get life insurance with anxiety?

Yes, securing life insurance with anxiety is possible.

When it comes to mental health conditions, many think a diagnosis could prevent them from securing the cover they need. However, this isn’t the case.

In any given week, 6 in 100 people will be diagnosed with generalised anxiety disorder[1]. Therefore, insurers are used to handling applications from those with this condition.

Reassured can provide you with all the information you need to know about the life insurance options we have available for those with anxiety.

We can also help you compare multiple quotes, free of charge, from our panel of top UK life insurance providers.

Anxiety and life insurance [key points]

  • It’s possible to secure life insurance with anxiety. Comparing multiple quotes can allow you to find an affordable deal for your personal circumstances
  • Anxiety life insurance’ isn’t a specific product, it simply refers to a life insurance policy taken out by someone with anxiety
  • Over 8 million people in the UK experience an anxiety disorder at any one time[1]
  • Anxiety impacts people differently and for different reasons, therefore insurers will take your personal circumstances into consideration
  • The severity and frequency of your symptoms, as well as whether you have additional medical conditions, could impact the price you pay for cover
  • Having any doctors notes to hand during the application could help to provide insurers with the most up to date information
  • There’s no difference in any of the insurance decision making processes for mental health to those for physical health. The process by which decisions are made and guidelines are written is consistent for every medical condition whether physical or mental health[2]

Does anxiety affect life insurance?

Anxiety alone may not impact your ability to secure cover. Depending on the severity of your condition, it could be possible to secure cover on standard terms (which start from 20p-a-day through Reassured).

Anxiety is the body’s natural response to stress or danger. However, it can be problematic if these feeling are persistent over a long period[3].

If you have severe/frequent feelings of anxiety and/or additional mental or physical health conditions, this could impact your life insurance application due to the increased risk.

Insurers will ask questions to gain a better understanding of your situation to ensure that you’re securing the right cover for your circumstances.

Reassured can take your circumstances into consideration and provide you with our most suitable options from our panel of insurers.

What policy options are available?

When applying for life insurance with anxiety, you’ll have access to a range of policy types. The most common life insurance options include:

  • Level term life insurance - Provides cover for a set period and offers a fixed lump sum pay out if you pass away during the term. Ideal for helping to cover an interest-only mortgage and/or family living costs. You’ll need to provide medical information (including declaring an anxiety diagnosis) during the application
  • Decreasing term life insurance - Provides cover for a set period and offers a lump sum pay out if you pass away during the term. The value of the lump sum will reduce throughout the policy term. For this reason, it’s ideal for helping to protect a repayment mortgage. You’ll need to provide medical information (including declaring an anxiety diagnosis) during the application
  • Whole of life insurance - Provides lifelong cover and guarantees a lump sum pay out to your loved ones when you pass away. It’s common for whole of life insurance to be used to help cover any inheritance tax bills that might be left to your loved ones and/or providing them with an inheritance to spend as they wish. You’ll need to provide medical information (including declaring an anxiety diagnosis) during the application
  • Over 50 life insurance (over 50s plan) - Provides lifelong cover and guarantees a lump sum pay out to loved ones when you pass away. Acceptance is also guaranteed to those aged 50 - 85 without the need to provide any medical information. Therefore, anxiety or any other medical condition won’t affect your cover. To mitigate the risk of not requiring medical information, insurers include a waiting period (typically either 12 or 24 months). If you pass away due to natural causes during this time, no pay out will be made. However, you’ll be covered for accidental death

Comparing multiple quotes can help you find the right policy for your individual needs. Why not save time and money by using our fee-free quote comparison service?

How much life insurance do you need?

Find out how much life insurance may be right for you by using our simple calculator. Fill in the costs you would like your policy to cover.


£121,687 is the estimated average outstanding mortgage per household in the UK.

Our property is generally the largest financial commitment any of us will make.

Your life insurance should cover this significant debt should you no longer be around.


According to Money Advice Service, full-time childcare in the UK now costs £242 a week.

The loss of a parent could result in the need for additional childcare whilst the surviving parent increases their hours to account for lost income.

Your life insurance cover should factor in this additional required outgoing.


The average level of debt (minus a mortgage) in the UK is £15,385.

Factoring in any outstanding debts in your name when arranging life insurance ensures this burden is not passed to loved ones.


You may wish to leave your loved ones an inheritance or lump sum gift upon your passing.

Factoring in the gift amount when arranging your cover will ensure the pay out amount will be sufficient to provide your loved ones with this selfless gesture.


According to SunLife, the average cost of a UK funeral is now £4,417, whilst the total cost of dying is £9,493.

This is a 130% increase over the past 16 years and shows no signs of slowing down.

A significant cost which should be factored into the amount of life insurance you secure.


If you are one of the 65% of the UK who are lucky enough to have savings, this could be used as protection if you were to pass away.

Any pay outs from existing life insurance policies and investments can also be used as financial protection for your loved ones if you were no longer around.

Factor this into your required cover amount.

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Is anxiety considered a pre-existing medical condition?

Yes, if you’ve received a diagnosis of anxiety from your GP prior to securing life insurance, this will be seen as a pre-existing condition.

This means you’ll need to declare your condition during the application process and answer any further questions the insurer asks.

This is to ensure the cover you take out is suitable for your personal circumstances.

If any information is missed off an application or false details are provided, this could prevent a pay out from being made.

A friendly member of our team will be on hand to support you through every step of the application.

What questions will I be asked during the application process?

During the application process, you’ll be required to answer a standard life insurance questionnaire, which includes questions about:

  • Age
  • Health and wellbeing (including declaring your anxiety diagnosis)
  • Smoking status
  • Occupation
  • Lifestyle (such as hobbies and alcohol consumption)
  • Policy details (policy type, policy term and sum assured)

When declaring an anxiety diagnosis, you’ll also be required to answer further questions in order for insurers to get a better understanding on your personal circumstances. These could include:

  • When were you diagnosed?
  • How often do you experience symptoms?
  • Have you had to take time off work due to anxiety?
  • Are you receiving any treatment (such as therapy or counselling)?
  • Have you been prescribed any medication (if so, which medications)?
  • Have you been diagnosed with any other mental/physical health conditions?
  • Have you experienced thoughts of self-harm?
  • Have you experienced suicidal thoughts?

Your answers to these questions will help insurers assess your eligibility for cover and will allow them to accurately calculate your monthly life insurance premium.

Insurers understand that it can be hard to discuss anxiety and they aren’t here to judge you, they simply need this information to ensure you’re taking out suitable cover for your personal circumstances.

Can I be denied life insurance for anxiety?

The severity of your condition will determine the impact it will have on your life insurance application.

If you experience mild and infrequent symptoms, then it should be possible for you to secure cover on standard terms.

However, if you experience more regular/severe symptoms and/or you have additional health conditions, this could impact the price you pay for cover or even result in an application being denied.

Even if you’ve been declined life insurance before there could still be some options available to you. This could be through a specialist insurer or an over 50s plan where no medical information is required.

At Reassured we work with a panel of top UK providers and specialist insurers. Get in touch for your free quotes.

Anxiety help & support

If you’re struggling with feelings of anxiety, there are a range of support services available:

Other frequently asked questions about life insurance with anxiety

Why do I need life insurance with anxiety?

Life insurance can help to provide you with peace of mind that your loved ones could be taken care of financially should the unexpected happen.

A life insurance pay out could help to cover:

  • Mortgage/rent costs
  • Household bills
  • Outstanding debts
  • Childcare fees
  • Funeral costs

Securing your loved ones’ financial future means there’s one less thing to worry about.

Can I get critical illness cover with anxiety?

Yes, as with life insurance, it’s possible to secure critical illness cover with anxiety.

Critical illness cover can be added to life insurance for an additional cost and could pay out to you if you’re diagnosed with a serious illness (that’s listed within the policy).

Will I need to undergo a medical for anxiety life insurance?

Depending on the severity of your symptoms, you may be asked to undergo a medical exam as part of the application.

Insurers may also ask to see your medical records or obtain a GP report. In order to do this, they’ll need to ask your permission and you won’t incur any costs.

However, if you don’t give permission, your application will likely be declined as the insurer won’t have the necessary information to assess your application.

What anxiety symptoms will I have to declare during the application?

As anxiety symptoms can vary from person to person, in order for insurers to gain a better understanding of your personal circumstances, you’ll need to declare symptoms such as:

Compare anxiety life insurance quotes

Hopefully this guide has provided you with reassurance that it’s possible to secure life insurance with anxiety.

When using an expert, like Reassured, you’ll have a friendly and understanding professional on hand to answer any questions you might have.

We can source quotes from our panel of insurers (which includes both mainstream and specialist insurers) to find you our best deals for your personal circumstances.

Our quotes are fee-free and there’s no pressure or obligation to secure a policy.

Simply get in touch to start your journey today.

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