Answered by Robert Harvey
Stress related illnesses are included with most insurers
Income protection insurance can cover stress related illnesses and mental illnesses, in fact in 2011 31% of claims with the insurer LV were for Mental Disorders, e.g. stress.
Generally income protection policies do not have standard exclusions but please bear in mind that most insurers will not cover you for a pre existing condition. However the good news is that as the income protection policies are underwritten upfront it is clear from the outset what is covered and what is not.
Mental illness is one of the biggest causes of work absence in the UK, and according to Mind will affect 1 in 4 of us. That’s why it pays to look for a protection policy, particularly Income Protection Insurance, that provide access to free to use, private therapy services such as counselling if required. Qualified counsellors and support staff can provide speedy, telephone based or face-to-face help for those in need.
Rob Harvey, Cert CII
Independent Protection Expert at Drewberry
If you’re looking to take out income protection we are on call to help you navigate the different options out there. We offer a fee free service and have access to the whole of market.
Frequently Asked Income Protection Insurance Questions
Oliver did an excellent job in making the right recommendations. He's been very patient in dealing with my request and helping me choose the right product. Well done and thanks very much!
Josh did a great job. Did all the legwork for me in getting the best quote and even handed it over to someone else whilst he was away, then finished the whole thing once he was back – impressed!
Josh was very good at communicating about different options for Life insurance, advising us on right choice and benefits. I would strongly recommend Drewberry. Thank you Josh.