Have you been diagnosed with having stress? Or have a history of experiencing stress? iLL helps people with a wide range of common mental health conditions including stress, anxiety and depression to find cover that protects them and their families. Our unique comparison service and network of approved impaired insurance specialists can help you find the right policy and insurer for your needs.
When you feel stress, you feel that you are under great emotional and mental strain, giving you a sense that you cannot cope. Stress can have various triggers and people react in many different ways to it. One person’s stress is completely different to another’s. Stress is one of the most common types of mental health condition, and most people will unfortunately experience stress at some point in their lives. Stress can be caused by various factors including work stressors, money issues, debt and strained relationships.
Stress may be linked to mental health, but it has actual physical effects on the body – including weight loss, sleeping problems, lack of appetite and difficulty in focusing. People who suffer from stress often feel irritable, with a low mood and a tendency to behave out of character. Other symptoms include frequent headaches, tense muscles and feelings of disorientation. The body reacts to stress by switching on the ‘fight or flight’ response. This is an emergency state in which all senses are heightened, enabling a person to deal with threats. Those under great stress continue to remain in this ‘fight or flight’ mode.
A person under frequent stress carries a risk of developing issues with their mental health. Learning how to relax, adopting breathing techniques, meditation and frequent exercise all help to bust stress. As stress is a common condition and doesn’t carry a threat to a person’s lifespan, many insurers will accept applications for stress life insurance.
If you are already suffering from or have suffered from stress, you do not want to make your symptoms worse by worrying about where you can secure life insurance cover. As stress is such a common condition, many insurers are likely to accept applications. All insurers however have to underwrite applications they receive from customers looking for stress life insurance, and need to manage their level of risk. As life expectancy isn’t shortened as a result of stress, many insurers will accept applications for stress life insurance. iLL can help you find the right insurer for your personal circumstances at the right price.
Stress is considered by insurers to be a low-risk mental health condition, therefore many insurers will accept applications at standard rates. Insurers will generally base premiums on your age, whether you are receiving counselling for stress, the triggers of your stress, how severe your symptoms are and whether you are on any medications. This will determine the level of risk you pose to an insurer. Prices from insurers will always vary depending on who you speak to, which is why iLL is the ideal place to find the right stress life insurance specialist.
You may find that a loading fee is applied to your policy. This is an increase on the price you pay as a premium, depending on your level of risk to an insurer. For instance, if you have severe stress which has led to a mental health condition and other physical symptoms, an insurer may want to apply a loading fee should you make a claim to them in future.
At iLL, our specialist impaired life insurance partners and comparison service can help you find the right FCA-regulated life insurer that suits your needs, helping you to compare prices and find the best deal.
iLL works with many of the UK’s leading stress life insurance providers. With our panel of FCA registered impaired life insurance specialists, you can receive quotes from more than one stress life insurance broker and determine the one that suits you. 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:
Despite their symptoms, many people with stress live normal, healthy lives with typical lifespans. Like life insurance cover, many insurers will accept applications for critical illness cover from people with stress. iLL’s policy comparison service can help you find the right cover. Every application is assessed differently, so fill in our simple form to get matched with a quote from the right approved and vetted insurer today. We can help you save time and money by finding the right insurer and the right policy at a price that works for you.
For additional help and support with stress, visit the following links:
iLL makes the purchasing of life insurance as quick and simple as possible, which is very important if you suffer from a condition like stress. Take the confusion out of trying to find the right insurer for your needs – fill in our easy 30-second form with your details to be referred to our specialist impaired life insurance partners for stress life insurance.