Schizophrenia Life Insurance, Critical Illness Cover And Income Protection
The Insurance Surgery is proud to be one of the UK’s leading insurance specialists for people suffering from all types of mental health problems including Schizophrenia life insurance, critical illness cover and income protection. There are a wide variety of possible issues for someone who suffers from a mental illness which can make the possibility of applying for Schizophrenia life insurance, critical illness cover or income protection seem quite daunting and potentially scary.
For someone with mental health problems looking for some cover to protect their family, home or business, it can be an emotionally draining process and especially if you have been declined cover elsewhere previously.
Here we look at how having Schizophrenia can affect your chances of getting life insurance, critical illness cover and income protection so you know what to expect when you speak to one of our team of experts. Our specialist advisers have been dealing with life insurance applications for people with Schizophrenia for many years and have helped thousands of people in similar circumstances to you.
Some symptoms of Schizophrenia:
- Hallucinations
- Delusional thoughts
- Confusion
- Behavioural changes
- Psychosis
There are some so called positive and negative symptoms of Schizophrenia which can have a range of possible implications for life insurance, critical illness cover and income protection applications.
How Schizophrenia life insurance, critical illness cover and income protection works:
Anyone who needs a quote for Schizophrenia life insurance, critical illness cover or income protection will be required to disclose certain pieces of information about their condition and health for underwriters, such as:
- When diagnosed
- Medication
- Treatment or counselling
- Suicidal thoughts or attempts
- Other medical or health problems
If you need help or advice to get a competitive quote for Schizophrenia life insurance, critical illness cover and income protection then you should speak to one of our team of expert advisers.
Schizophrenia life insurance
There is a range of potential outcomes when applying for Schizophrenia life insurance which will depend on your own circumstances and details of your condition. You will almost always be required to provide copies of your medical records when applying for Schizophrenia life insurance so that underwriters can accurately assess your application. Generally you will find that your offer for cover include some level of increase to your premiums to reflect the potential increase in risks relating to Schizophrenia and life insurance.
Some of the main factors for underwriting Schizophrenia life insurance:
- When were you first diagnosed with Schizophrenia
- What treatment or counselling do you/have you received
- Have you ever attempted suicide or had suicidal thoughts
- Have you ever had a psychotic episode
- What type of medication do you take and what dosage
Your Schizophrenia life insurance premiums can vary dramatically from one insurance provider to another depending on which insurer you apply to so you need to make sure that you speak to a specialist. You should also be aware that some insurance providers are good for mental health underwriting and others are not so you may find that you could be declined by some insurers and accepted by others for Schizophrenia life insurance.
There are also some specialist insurers and products for people who struggle to get cover through the standard market so speak to one of our experts to find out more.
Schizophrenia critical illness cover
There are potentially some specialist insurance products which may be appropriate for someone looking for Schizophrenia critical illness cover, however these may not provide cover for your existing condition. Speak to our experts to find out more.
Schizophrenia income protection
As above for income protection, there are potentially some specialist insurance products which may be appropriate for someone looking for Schizophrenia income protection, however these may not provide cover for your existing condition. Speak to our experts to find out more.
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Tom has been incredibly helpful throughout the whole process of getting my life insurance set up. Very knowledgeable and absolutely ‘on it’ to get me the best product out there.
Mat Wise
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Service was first class, Simon kept me informed at every step in the process.I would have no hesitation in dealing with him again.
Duncan Fordyce
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Dealt with Karl who could not have been more helpful. Made the whole process of getting life insurance far easier than other providers I had approached.
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Fantastic!
Approved immediately. Process was so fast and a lot cheaper than I thought. Highly recommended.
Nicola Storr
Useful Links
For more information and a competitive quote for Schizophrenia life insurance, critical illness cover or income protection, call our team of experts today.
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