In today’s fast-paced world, stress and anxiety are common mental health problems faced by people. But, stress doesn’t mean you can’t qualify for life insurance. Various insurers will agree to provide life insurance to people who are suffering from mental health issues. If you are dealing with stress and looking for life insurance, you have come to the right place! 

Can you get life insurance if you are stressed?

A simple answer is yes, you can get a cover depending upon your mental health condition and its severity. Your insurer may ask for a medical report to understand your present health status and then the insurer will be able to suggest the most suitable policy for you.

What information will you need to provide to your insurer?

  • What is the type of mental health issue you have?
  • When were you diagnosed?
  • Have you been hospitalized due to the condition you have?
  • How severe is your mental health condition?
  • How does stress affect your daily life?
  • What medicines do you take to control the condition?
  • Are you able to work?
  • When can life insurance be offered at non-standard terms?

It depends on the severity of your mental health condition if there has been an incident such as self-harm, psychiatric treatment, or hospitalization, life insurance providers will go for non-standard terms which will include an increase in your monthly premiums. In more severe cases, your life insurance provider can ask you to wait so that your condition is stabilized. 

You can increase your chances of getting your life insurance approved when you have provided your insurer with all the necessary documents and details.

For more details about how life insurance works for people diagnosed with mental health conditions such as stress, feel free to get in touch with our life insurance specialists.



We would recommend you to talk to one of our advisers for life insurance quotes.
Any quote that your adviser provides you with will take into account your circumstances, your medical history, as well as your budget!
Call 011-3733-4610 – Monday to Thursday from 11.00 to 19.00 and on Friday between 11.00 and 16.00
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