What insurers and brokers will typically ask you for
You may be asked to provide:
✔ Your medical diagnosis
✔ Details of any treatments
✔ Your full medical history
✔ Family medical history
✔ Lifestyle and habits
Depression and anxiety life insurance
Life insurance and depression or anxiety
Prices from just £7.96
Can I get life insurance if I have depression or anxiety?
Yes. Having depression, anxiety, or other mental health conditions doesn’t automatically disqualify you from getting life insurance.
You may face higher premiums depending on the severity, frequency of symptoms, and treatment history, but often, it’s more affordable than many people expect.
How much more will I pay for life insurance with depression or anxiety?
The exact cost will depend on the severity of your condition, your medical history, and how well your symptoms are managed. Insurers will typically look at factors such as:
Diagnosis and history — how long you’ve had symptoms and whether you’ve been hospitalised.
Treatment and medication — whether your condition is well controlled with therapy or medication.
Severity of symptoms — occasional, moderate, or severe, and whether you’ve had any episodes of self-harm.
Lifestyle factors — smoking, alcohol use, and other health conditions can all affect premiums.
To give you an idea, here are example prices for a £200,000 life insurance policy over 30 years for a 30-year-old non-smoker:
Symptoms | Minimum Monthly Cost |
|---|---|
No depression or anxiety | £7.96 |
If well controlled | + £0 |
If moderate symptoms | + £3 |
If severe symptoms | + £12 plus self harm exclusion |
What if I smoke or vape?
Smokers and vapers with depression and anxiety can still obtain life insurance, but your premiums will be significantly higher due to the increased health risks.
Use of tobacco products can make life insurance premiums
2x more expensive
How much is life insurance if I have depression and anxiety?
Here are three example quotes based on real customer data. Prices are per month for level term.
Age: 20-25
£5
.13^
Policy Type: £250,000 cover | 30 year term
With major symptoms: £7.84
Age 30-35
£13
.88^
Policy Type: £250,000 cover | 30 year term
With major symptoms: £20.82
Age 50-55
£25
.92^
Policy Type: £150,000 cover | 20 year term
With major symptoms: £38.88
What impacts the cost of depression and anxiety life insurance?
The factors insurers look at when setting your premium
-
How stable your condition is
If your mental health is well controlled with medication and ongoing treatment
-
Any recent hospital visits
Hospitalisation for mental health in the past few years can increase costs
-
Other health conditions
Such as diabetes, heart disease or other pre-existing medical issues
-
Your age
Premium levels typically rise as you get older, so younger applicants benefit from lower costs.
-
Your BMI
Being underweight or overweight can affect your risk rating
-
Smoking or vaping status
Premiums are considerably higher for applicants who smoke, vape, or otherwise consume nicotine.
-
The type of policy you choose
For example, term life vs whole of life cover
Frequently Asked Questions
Can I get cover if I am taking antidepressents?
Yes. Taking medication for depression or anxiety doesn’t stop you from getting life insurance. Insurers will usually ask about your prescription, dosage, and how long you’ve been taking it, but cover is widely available.
Will I need a medical exam?
Not always. Many people with depression or anxiety can still get cover without needing a medical exam. You might only be asked to have one if there are other health factors to consider, such as a BMI in the obese range (around 40 or above) or another ongoing medical condition.
What happens if I forget to mention something in my application?
It’s always best to correct it as soon as possible. Missing information could affect your policy or delay a future payout. If you’re unsure, speak to your insurer or an adviser to help update your details.
How long does it take to get a decision?
For many people, disclosure of depression or anxiety won’t delay things — cover can often be offered immediately.
If you have more complex medical circumstances, your application may go to an underwriter for review, and sometimes insurers request medical records before making a final decision.
Can I get joint cover if only one of us has a condition?
Yes, joint cover is available. However, it may not always be the most cost-effective option. If one person has a medical condition and the other doesn’t, taking out two separate policies can sometimes work out cheaper overall.
Will depression or anxiety mean my application is declined?
No, most applicants with depression or anxiety are still able to get cover. The cost and terms will depend on the severity of your condition and how well it’s managed, but outright refusals are uncommon.
How does my lifestyle affect the cost of cover?
Factors such as smoking, vaping, alcohol use, or a high BMI can increase your premiums. The more positive lifestyle choices you make, the more affordable your policy is likely to be.
Can I change my policy if my mental health improves?
Yes. If your symptoms improve or you stop taking medication, you may be able to review your cover and reduce your monthly premiums. It’s worth speaking to your insurer or a LifeSearch adviser to explore your options.
Will my family medical history affect my application?
Sometimes. If close relatives have a history of certain conditions (such as heart disease or cancer), insurers may take this into account alongside your own health information.
What information do I need to disclose about my mental health when applying for life insurance?
When you apply for life insurance, you’ll need to share honest and accurate details about your mental health history. This may include whether you’ve been diagnosed with a condition such as depression or anxiety, any medication you take, and details of any hospital treatment or therapy.
Insurers use this information to understand your overall health and offer a policy that suits your needs. Being open about your medical history helps prevent problems later on, such as a claim being delayed or refused.
How do I get a life insurance with depression and anxiety quote?
-
-
How the application works
✔ Fill in the online form
Pick your cover type (family/level or mortgage/decreasing)
Set your cover amount and term
✔ Add your health details
Select depression and anxiety (and any other conditions)
Answer a few quick health and lifestyle questions
-
Compare quotes
✔ See your options
We’ll show you a range of quotes to compare side by side
✔ Choose how to buy
Buy Now – complete your purchase on our site in just seconds
Apply Now – continue on the insurer’s website and answer a few extra questions
Our expert says…
Life insurers don't expect perfect health. Many UK adults has a health condition, and most still qualify for life insurance.
At LifeSearch, we work with specialist insurers who regularly approve people with conditions like yours. Being upfront about your medical situation helps us find the best match for you.
LifeSearch health specialist adviser
I need help with my life insurance quote
Can I speak to an adviser on the phone?
Yes. If you are struggling to find suitable cover or need extra support, you can speak to an adviser at our partner LifeSearch.
Phone number: 0800 197 3178
Opening hours: Mon to Fri 8am - 8 pm | Sat 9 am - 2 pm | Sun 10am - 3.30pm
It's free to call, and their team of 280 advisers are all UK-based.
Who is LifeSearch?
LifeSearch is one of the largest insurance brokers in the UK. It works with leading and specialist insurers, and has covered over 2 million people since 1998.
LifeSearch provides a number of different insurance products, including:
Life insurance
Critical Illness Cover
Income Protection
LifeSearch is rated 'excellent' on Trustpilot and is authorised and regulated by the Financial Conduct Authority (FCA).
How do we work with LifeSearch?
MoneySuperMarket has a long-standing partnership with LifeSearch. When you compare life insurance through us, you’ll see options from insurers they work with — helping you find cover that fits your circumstances.
Your policy will always be taken out with the insurer you choose, but LifeSearch can support you at every stage, from applying for cover to making a claim. You can also manage claims directly through their website.
We receive a commission for referrals, but this never affects the price you pay for your policy.
➡️ Find out more about how MoneySuperMarket makes money
Which life insurers specialise in cover for depression and anxiety?
Some insurers that are likely to over cover for individuals with depression and anxiety are:
AIG Life
Aviva
Royal London
Zurich
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Reviewed on 25 Dec 2025 by
Starting price for a 30 year old non-smoker with well-controlled depression and anxiety, taking out a £200,000, 30-year life insurance policy. Data from LifeSearch, 2025.
Starting price for a 30 year old non-smoker with no medical conditions, taking out a £200,000, 30-year life insurance policy. Data from LifeSearch, 2025.
Example cost of 20-year £150,000 level term life insurance policy for a 50-55 year-old non-smoker with depression and anxiety and minor symptoms.
Data from LifeSearch. Prices from June 2025.
Example cost of 20-year £150,000 level term life insurance policy for a 50-55 year-old non-smoker with depression and anxiety and major symptoms.
Data from LifeSearch. Prices from June 2025.
Example cost of 30-year £250,000 level term life insurance policy for a 20-25 year-old non-smoker with depression and anxiety and minor symptoms.
Data from LifeSearch. Prices from June 2025.
Example cost of 30-year £250,000 level term life insurance policy for a 20-25 year-old non-smoker with depression and anxiety and major symptoms.
Data from LifeSearch. Prices from June 2025.
Example cost of 30-year £250,000 level term life insurance policy for a 30-35 year-old non-smoker with depression and anxiety and minor symptoms.
Data from LifeSearch. Prices from June 2025.
Example cost of 30-year £250,000 level term life insurance policy for a 30-35 year-old non-smoker with depression and anxiety and major symptoms.
Data from LifeSearch. Prices from June 2025.