Can You Get Income Protection If You Have Anxiety?
Yes, you can often get income protection with anxiety. Insurers assess your individual case - severity, treatment, and current stability matter. Mild, managed anxiety may get standard terms. More significant history might mean a mental health exclusion or premium loading. Use an adviser who knows which insurers are mental health-friendly.
What to Expect
Medical questions
Detailed questions about your anxiety history, treatment, and current state
GP report possible
Insurers may request medical records from your doctor
Possible exclusion
Some policies may exclude mental health claims initially
Cover available
Many people with managed anxiety get good cover - use an adviser
Frequently Asked Questions
Can I get income protection with anxiety?
Yes, many people with anxiety can get income protection. Insurers assess severity, treatment history, and current stability. Mild, managed anxiety often results in standard terms or a small premium loading.
Will my anxiety be excluded from cover?
It depends. Some insurers exclude mental health claims for a period (e.g., 2-3 years). Others offer full cover with a premium loading. A good adviser can find insurers with the best terms for your situation.
What information do I need to provide?
Expect questions about: when anxiety started, treatment received, medications, time off work, GP visits, and current stability. Be completely honest - non-disclosure can void your policy.
Should I wait until I'm 'better'?
Not necessarily. Applying while stable and managed is fine. Waiting too long could mean other health issues arise. Get advice from a specialist adviser who understands mental health underwriting.
Related Questions
This page provides general information only and does not constitute personal financial advice. Income protection insurance products and their terms vary between providers. Always read the policy documentation carefully before purchasing. Your Home Finance is authorised and regulated by the Financial Conduct Authority.