Life Insurance with Anxiety

Applying for life insurance with anxiety may feel stressful. Our experts will guide you through the process of finding the most suitable cover.

Anxiety and Life Insurance: what you need to know

Finding life insurance with mental health conditions, including anxiety, can feel daunting and stressful. It may not be comfortable to disclose information relating to your condition.

Finding the right life insurance with anxiety is becoming more accessible. However, it is best to be prepared so that you know what information insurers will ask for and to know how to find the most suitable cover for your condition.

What is anxiety?

In the context of mental health, anxiety is a term used to describe a range of conditions which centres around the feeling of being worried, panicked and distressed. 

Anxiety can be caused by a range of triggers, which means that symptoms vary for each type of condition. It is important to note that anxiety can be diagnosed through a variety of conditions.

Generalised anxiety disorder (GAD) is the most common form of anxiety, with the main symptoms being linked to excessive and uncontrollable worrying about everyday life. It is also common to experience anxiety alongside other mental health conditions, such as depression.

Anxiety disorders also include obsessive compulsive disorder (OCD), post-traumatic stress disorder (PTSD) and body dysmorphic disorder (BDD).

Can I get life insurance with anxiety?

If you have been diagnosed with an anxiety disorder, you are still able to get life insurance from many insurance providers.

However, it is also important to note that you will need to disclose your diagnosis to insurers and that they are likely to ask for more information regarding your anxiety disorder or a medical report as evidence. This may include questions regarding self-harm and suicide attempts.

Additionally, life insurance with anxiety may be more expensive, but this is dependent on your insurer and how anxiety affects your daily life.

Why do insurers need to know about anxiety?

Mental health conditions are considered by insurers to be pre-existing conditions. This means that if your diagnosis of an anxiety disorder exists before, or at the time of, your life insurance policy, insurers will want to know more details about this condition.

The reason for insurers requiring this information as this helps them to understand more about the policy you require and how much the cover will cost. It is important to provide accurate information about your anxiety or mental health condition, as failure to fully inform a life insurance provider could affect any future claims.

What information do you need to provide to insurers if you have anxiety?

To be able to provide the most accurate and suitable life insurance quotes for an individual, providers typically have a range of questions which they require accurate and detailed information for. 

Generally, this includes information about your lifestyle and health, as this paints an initial picture. For example, your height, weight, salary, lifestyle, family history and medical history.

If you have a diagnosis of an anxiety disorder prior to taking out a life insurance policy, it is likely the insurer will want to specifically know more about this condition. Each provider and individual are different, but questions can include:

  • The condition you have been diagnosed with
  • The date of your diagnosis 
  • Specialist referrals Specialist referrals (e.g. psychiatrist, psychologist, specialist pharmacist, nurse or social worker)
  • Information regarding hospital admissions
  • How severe your anxiety condition is
  • How your anxiety affects day-to-day life (e.g. absences from work)
  • Medication for anxiety and the date you started taking this

When referring to how severe your condition is, life insurance providers may ask about symptoms of the condition such as self-harm or suicidal ideation. This could increase life insurance premiums or in some cases, your application can be declined.

How I’m Insured can help with your life insurance application

I’m Insured are an independent insurance broker with specialist knowledge in life insurance for people who suffer with anxiety and other mental health conditions.

For support and assistance with your life insurance application, you can get a free quote online, and our expert team will be in touch to help you find the best and most suitable cover for you.

Mental Health Helplines and Resources 

We understand that the topic of mental health conditions can be distressing for many people. If you need further support, there are many mental health charities who have useful resources and helplines:

NHS Urgent Helpline

If you require urgent support, there are NHS urgent mental health helplines which run 24 hours. Support for this can be accessed through their website.

Anxiety UK

This charity provides support if you have been diagnosed with an anxiety condition.

Phone: 0344 775 774 (Monday to Friday, 9:30am to 5:30pm)


The Campaign Against Living Miserably is designed to support men aged between 15 and 35 who are struggling with their mental health.

Phone: 0800 58 58 58 (daily, from 5pm to midnight)


The UK-based charity which promotes the views and needs of people who suffer with mental health issues. They provide very useful and informative resources on mental health conditions.

Phone: 0300 1212 3393 (Monday to Friday, 9am to 6pm)


A charity set up and run by people with OCD, for people with OCD. Their website includes facts, news and treatments.

Phone: 0333 212 7890 (Monday to Friday, 9am to 5pm)


This charity provides a confidential helpline to support people experiencing feelings of distress or despair.

Phone: 116 123 (free 24-hour helpline)

Young Minds

Providing information on child and adolescent mental health. This service is for parents and professionals.

Phone: Parents’ helpline 0808 802 5544 (Monday to Friday, 9:30am to 5pm)

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