Life Insurance for Mental Health

Get a decision
within 24hrs
Life, Income Protection &
Critical Illness Cover
cover options

At Sports Financial Services, we understand the importance of securing your financial future
and prioritising your mental health. Speak to a specialist adviser today about life insurance for
mental health to provide peace of mind for you and your loved ones.

We were initially founded, over 25 years ago, to help extreme sports people find cover for their adrenaline-filled lifestyles. During this time, we have worked with many individuals with pre-existing conditions, who sought cover for their occupational and recreational pursuits.

We have recently expanded the scope of our services to bring this hard-won experience to those who have a pre-existing health condition and require assistance to explore the cover options available.  Through this natural expansion, we aim to utilise our experience and expertise to provide financial protection advice delivered with exceptional customer service.

It is possible to get life insurance with certain mental health conditions. However, the decision
is made based on the nature of your specific condition and recent medical history. In order to
offer cover, we will discuss your condition and other lifestyle factors to let you know the
options available to you.

What is a mental health condition?

A mental health condition refers to a wide range of disorders that affect mood, thinking and
behaviour. These conditions can significantly impair a person’s ability to function in daily life
and can impact their relationships, work and overall well-being.
Mental health conditions can vary in severity, some examples of mental health conditions

    • Depression

    • Anxiety

    • Paranoia

    • Phobias

    • Psychosis

    • Obsessive Compulsive Disorder (OCD)

    • Post-Traumatic Stress Disorder (PTSD)

    • Schizophrenia

    • Bipolar Disorder

    • Postnatal depression

In order to discuss life insurance for mental health we will ask for information about your
condition in order to outline the life insurance options available to you.

How does mental health affect life insurance?

Mental health can significantly impact the availability of life insurance in various ways. Insurers
often consider mental health conditions when assessing an individual’s risk profile, which can
influence premium rates and eligibility for cover.

When you enquire about for a life insurance for mental health, we will ask about how much
protection you require and how long you want to be covered. In addition, we will also ask
about your medical history, lifestyle and any other pre-existing conditions. Such information
will help determine whether life insurance cover options are available, whether further
information is required and how much cover will cost.

Can you get life insurance for mental health?

The availability and cost of a life insurance policy may vary depending on factors such as the
condition you have, the severity of your condition, your treatment history, and any other health
issues you may have.

It’s important to disclose all relevant information about your mental health when applying for
life insurance. Some insurers may require a medical assessment or request additional
information from your healthcare provider

What information will I need to provide for life insurance for
mental health?

When applying for life insurance we will enquire about your health, lifestyle and occupation.
In addition, we may request information, such as:

● Medical history for you and your family history
● The name of your condition and date you were diagnosed
● Details of hospital admissions and specialist referrals
● Medications you take
● Height and weight
● General practitioner’s name and practice address
● Lifestyle (e.g., smoking, alcohol consumption)

Our experienced specialist advisers will discuss the exact information required and support
you through the whole process.

Apply for life insurance for mental health today

At Sports Financial Services, we are committed to helping you navigate the complexities of life
insurance for mental health. Our aim is to provide you with peace of mind for you and your

For more information or to get started, contact us at 0345 565 0935 or fill out our online
contact form