Can I get life insurance if I have anxiety?
Yes — the vast majority of people with anxiety can get life insurance. Anxiety is one of the most common mental health conditions in the UK, and insurers have extensive experience underwriting it. Mild to moderate anxiety that is well-managed typically has minimal impact on life insurance premiums.
What do insurers ask about anxiety?
Common questions include:
- When were you first diagnosed?
- Are you currently taking medication? If so, which?
- Have you had time off work due to anxiety?
- Have you had any hospital admissions or referrals to secondary care?
- Do you have any associated conditions (e.g., depression)?
When does anxiety affect premiums?
Anxiety may attract a premium loading if: it is severe or treatment-resistant, you have had significant time off work, you have been hospitalised or referred to secondary care, or it is combined with depression or other mental health conditions.
Income protection with anxiety
Mental health conditions are among the top reasons for income protection claims. Income protection may be harder to obtain or may exclude mental health conditions if your history is more complex — but it is still available in many cases.
Frequently Asked Questions
Not always — mild to moderate, well-managed anxiety is often accepted at standard rates. More severe anxiety or associated conditions may attract a small loading.
Yes — always disclose any diagnosed or treated mental health conditions honestly. Non-disclosure can invalidate a claim, even if the claim is for an unrelated reason.