ADHD & Life Insurance
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ADHD & Life Insurance
One of my children is currently going through ADHD assessment and it’s certainly an interesting process. I can only describe him as a whirlwind of energy that never stops and does five sports, guitar, knitting and baking!
When you are applying for life insurance in the UK, having ADHD can come up in the questions. This is usually in the questions about if you have ever seen a psychiatrist and any regular medication that you are taking.
To get things started we will ask you:
- When were you diagnosed with ADHD?
- Are you taking any medication or undergoing any treatment for ADHD?
- Does ADHD affect your ability to work?
- Have you completed all ADHD health investigations?
When looking into life insurance for someone living with ADHD, you may be able to find a policy that is offered at standard terms. This means that there will likely not be any exclusions or any premium increases.
This does depend on any medication or treatments that you are currently taking and/or undergoing. The terms of the policy will also depend on how much ADHD affects your day-to-day ability to do things.
I know many people who are attempting to get an assessment for ADHD as an adult, after realising that they have symptoms and seeking support. Having an outstanding ADHD assessment can affect the life insurance options that you can access and we can help you to understand what this means for your insurance plans.
Our expert advisers are to make sure that your life insurance policy is placed with the best insurer for you.
ADHD & Critical Illness Cover
Critical illness cover pays out a cash lump sum of money, if you are diagnosed with a medical condition that is listed in the insurer’s claims set e.g. cancer, heart attack, stroke.
When looking critical illness cover options for people living with ADHD, you’ll probably discover that policies are generally offered at standard terms. However, the terms of the policy could be influenced by things such as the medications or treatments you are currently doing.
The impact of ADHD on your daily activities may also play a role in determining the terms of the policy. If you are able to live and work independently, it’s quite likely that you will be able to arrange critical illness cover at normal terms.
Our award winning advisers are here to make sure that you get the right insurer to match you and your health.
ADHD & Income Protection
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.
It is possible to get income protection if you are living with ADHD, although you may find that some insurers will have a mental health exclusion on the policy. This can be because many people with ADHD have experienced mental health symptoms, especially if it was not diagnosed until being an adult.
If there are any outstanding ADHD assessments, some insurers may choose to postpone your income protection application until all investigations are completed. Insurers tend to be cautious as some ADHD symptoms can sometimes be linked to other underlying health conditions, so they do like to check that other medical conditions have been ruled out.
Just as in any health situation involving outstanding tests, insurers try to ensure a thorough and accurate assessment is completed so that they can give you a comprehensive and fair coverage that suits your needs.
Our advisers are here to make sure that you get the best insurance policy to protect your income.
ADHD & Travel Insurance
Are you jetting off somewhere soon? It’s a good idea to take out some travel insurance with a specialist insurer who can help with your travel needs whilst being supportive of you having ADHD. You can find out more about getting a quote on our travel insurance page.
What is ADHD?
Attention Deficit Hyperactivity Disorder (ADHD) is a neurodevelopmental condition where a person has a unique pattern of challenges and strengths. Individuals with ADHD often demonstrate heightened creativity, energy, and a remarkable ability to think outside the box. While they may face difficulties with attention, organisation, and impulse control, it’s important to recognise that ADHD is not just a collection of potential challenges but rather a diverse cognitive profile.
The symptoms of ADHD typically start early in life and may become more noticeable during important events in a child’s life, such as starting school. While most cases are identified before turning 12, there are situations where diagnosis happens later in childhood. Occasionally, ADHD goes unrecognised during childhood, and individuals may be diagnosed when they are adults.
While symptoms may ease with age, many adults diagnosed with ADHD in their younger years continue to face challenges. People with ADHD may also have to deal with additional issues such as sleep and anxiety disorders.
Also: Attention Deficit Hyperactivity Disorder
Linked with: Neurodiversity, mental health
Possible Effects on Lifestyle
Some of the symptoms people may experience living with ADHD:
- Blurting out responses / interrupting others
- Carelessness and lack of attention to detail
- Difficulty keeping quiet
- Forgetfulness
- Mood swings
- Poor organisational skills
- Starting new tasks before finishing old ones
- Taking risks in activities
Medications and Treatments
- Atomoxetine
- Dexamfetamine
- Guanfacine
- Lisdexamfetamine
- Methylphenidate
Further Reading and Research
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Common Questions
Hi, it’s great to hear from you. I’m glad that you have been able to get your diagnosis and support from your GP. It’s really tricky to say which is the best insurer. Most insurers in the UK are really good at offering life insurance to people living with ADHD.
The difference you can get is what the insurers ask for. Some will want to see a report from your GP to confirm your diagnosis, some may not. The amount of life insurance you need will also determine which insurer you use. Depending upon your age and how much life insurance you are applying for, some insurers might ask you to have a mini medical (they pay for it and do it at a time and place that suits you).
Let’s have a quick chat and I can go through the different options that you have.
Client Reviews
Cura Financial Services has been rated 5 out of 5 based on 808 reviews.
Review by Lauren on 24th January 2024
“Excellent service - finally got cover sorted after years of being unable to obtain cover due to a vague diagnosis of a long term condition.” - 5
You can read more of our reviews here.
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Dr Kathryn Knowles Phd
Author
This page was written by Dr Kathryn Knowles Phd, an award-winning insurance adviser. To read more about Kathryn please see her bio here
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