Are you looking for life insurance that covers you if you have depression? Whether you have suffered from depression in the past but have now recovered, or are currently suffering from the condition, iLL can help you find the best insurer for your needs. iLL specialises in helping people with mental health problems find cover that protects them and their assets. Our unique comparison service enables you to put your application for life insurance across to a network of approved impaired insurance specialists, helping you to find the best cover at the right price.


About depression

While it is natural for all of us to feel happy or sad for various reasons at times in our lives, depression is a mental health condition that is very different to feeling a bit sad or fed up. Depression is a mental health condition that takes the form of a long-lasting low mood. It affects a person’s motivation to do things, ability to feel pleasure and happiness, and to be interested in their everyday life. Depression affects one in ten people, and is recognised as a mental illness. Absolutely anyone can suffer from depression at any point in their life. The good news is that the condition is completely treatable, and that greater awareness of it has come to light in recent years. Depression can be caused by any number of things, including a stressful or life-changing event, stress or lifestyle.

Signs of depression include a lack of motivation, regular feelings of helplessness or despair, and feeling bad about yourself. It can be treated through counselling, medications, sleep, a healthy diet and self-help techniques. Many life insurance companies will offer cover for a person with depression. To get started with your quick and easy quote, fill your details into our 30-second form.

Finding depression life insurance with the right insurer

We understand at iLL that searching the market to try and find the best deal for depression life insurance can feel confusing and overwhelming. Depression is a mental health illness, and there are varying degrees of depression. If you have severe depression such as recurrent depressive disorder, an insurer may be cautious when considering whether to accept your application. All insurers have to underwrite applications they receive from customers looking for depression life insurance, and need to manage their level of risk. If you have clinic depression, or have been told by your doctor that you are going through a severe depressive episode with suicidal thoughts, a insurer may want to place exclusions on your policy.

This is where we can help. iLL enables you to find the right insurer offering the cover you need for depression life insurance. As further awareness of depression and more treatment options in relation to it come to light, there are more policies available for those suffering from the condition. Start your search for the right depression life insurance cover today by filling in our quick 30-second form to be matched with the best quotes.

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How much will my premiums be for depression life insurance?

Depression is a mental illness. Many insurers offer cover for a wide range of mental illnesses, but your premiums will be affected by various factors including when you were first diagnosed with depression, medications you are taking to treat it, any hospital admissions, suicide attempts and time taken off of work.
Prices from insurers will vary depending on who you speak to, which is why iLL is the best place to find the right depression life insurance specialist.
You may find that a loading fee is applied to your policy, especially in cases of severe depression where there could be a risk of suicide. This is an increase on the price you pay as a premium, depending on your level of risk to an insurer. For instance, if your condition is severe, you have attempted suicide and been a hospital in-patient, an insurer may see your case as higher risk and apply a loading fee to cover this risk. In some cases, you may be declined for cover.
At iLL, our specialist impaired life insurance partners and comparison service can help you find the right FCA-regulated depression life insurer that covers your needs, helping you to compare prices and find the best deal. Get your quotes by filling in our quick and easy form.

Get your depression life insurance quote


Which companies are offering depression life insurance?

At iLL, we are linked to many of the UK’s leading depression life insurance providers. With our panel of FCA-registered impaired life insurance specialists, you can receive quotes from more than one depression life insurance broker, enabling you to compare and find the right cover. Just submit your details through one of our quick and easy online forms to receive quotes and be specially matched against the UK’s leading FCA-regulated insurance providers. This should help you to find:

  • The best price for your depression life insurance needs
  • The correct amount of cover to ensure that your loved ones, assets and property are protected
  • An insurer that has a great understanding of your condition and mental health in general
Get your depression life insurance quote


Further cover for depression life insurance

Critical illness cover for depression

Insurers assess applications for depression critical illness cover in the same way that they do for life insurance. If your depression is under control and you are managing it through self-help or medications (for example), with no recent hospital admissions as a result of self harm or suicide, it is likely that you will be accepted for critical illness cover on standard terms. An insurer will want to know the severity of your condition. If you have severe depression and have considered taking your own life or attempted to, there may be exclusions added to your policy. Generally speaking, there are rarely any mental health exclusions that are applied to critical illness cover.

iLL’s policy comparison service can help you find the right cover for depression. Every person is assessed differently, so fill in our simple form to get matched with a quote from the right approved and vetted insurer for your circumstances. We can save you time searching the market for the right insurer, and even better, save you money by finding you a policy at the right price.


Further information about depression

For help and support about living with depression, visit the following links:

Mental Health Foundation

Time To Change

At iLL, we believe that the purchase of depression life insurance should be as quick and easy as possible. If you have a mental health condition like depression, it can feel overwhelming to know where to find the best price and insurer for your circumstances. Fill in our easy 30-second form with your details to be referred to our specialist impaired life insurance partners for depression life insurance. With our free service, you can find the most comprehensive cover at the best price.