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A Trading Style of Platinum Financial Consulting

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Depression Life Insurance

 

We specialise in finding life insurance for people with depression. We may also be able to help if you have suicidal thoughts or attempted suicide in the past.

We can also help you with your other insurance needs, such as critical illness insurance, income protection insurance and travel insurance.

We are experts in knowing which insurers will consider your application, given your depression, with a wealth of knowledge and years of experience. Most importantly, we do all the work for you making this a hassle-free and streamlined process.

Whilst we can’t always guarantee that we can get you life insurance if you have depression, rest assured that we won’t leave any stone unturned. We will give you an honest assessment as to whether you will be able to get life insurance, as well as an indication of how much it might cost.

If there is a choice between insurers, we will help you find the insurer who is willing to offer you cover at the cheapest rate, so you can be confident in knowing you have the best deal.

We will do all the paperwork for you, and will keep you updated throughout so that you know how things are progressing.

We have a team who are specialists in finding life insurance for those with depression, and they are always on the end of the phone to discuss your needs or concerns. We are a UK based company, you will not have to talk to foreign call centres.

So if you want the peace of mind of having some life insurance in place, we are the people to help.

These are just two of the testimonials we have received after finding life insurance for clients with depression:

“The service I received from Life Insurance Help was fantastic. Having thought I would not get life insurance, they explained it was possible. They relieved all the pressure of having to do it myself and kept me informed at each process of the application. I now have life insurance with a premium much lower than I expected, but most of all I have peace of mind for my family’s future. Thank you.”

“Life Insurance Help operate a very friendly and personal service. They are very quick and efficient and know the right companies to approach. I was very pleased with their recommendations and got an excellent deal. Thank you so much.”

So please get in touch and tell us about your circumstances, and we will help you find the insurance you need.

 

Depression Support

Besides helping you obtain Life Insurance if you have depression, we also want to provide our customers with as much help as possible in dealing with their pre-existing condition.

The two sections below, Useful Links and About the Condition, aim to do just this.

We hope you find the information on this page useful, if you have any other information that you feel would be of benefit to other sufferers, please let us know.

Depression : Useful links

Support groups and useful information for people who suffer from depression
 
Depression UK
Depression Alliance
Anxiety UK
Mental Health Foundation
Manic Depression Fellowship
Mind (National Association for Mental Health)
SANE
Seasonal Affective Disorder Association
Samaritans
National Association for People Abused in Childhood
Obsessive Compulsive Disorder Action
National Self Harm Network
 
 
 
 

Depression : About the Condition

Depression is a common mental disorder affecting about 15% of people at some point in their lives. Depression often results feelings of extreme sadness that can last for a long time. These feelings are severe enough to interfere with your daily life, and can last for weeks or months, rather than days. Other symptoms of depression are a loss of interest or pleasure, feelings of guilt or low self-worth, disturbed sleep or appetite, low energy, and poor concentration.

Women are twice as likely to suffer from depression as men, although men are far more likely to commit suicide,. This may be because men are more reluctant to seek help for depression. Studies have also shown that 2% of teenagers in the UK are affected by depression.

People with a family history of depression are more likely to experience depression themselves. Depression affects people in many different ways and can cause a wide variety of physical, psychological (mental) and social symptoms.

A few people still think that depression is not a real illness and that it is a form of weakness or admission of failure. This is simply not true. Depression is a real illness with real effects, and it is certainly not a sign of failure. In fact, famous leaders, such as Winston Churchill, Abraham Lincoln and Mahatma Gandhi, all had periods of depression.

If you are depressed, it can really help to talk about how you really feel, as talking puts you back in control and can help identify what choices you have. However many people who are depressed don’t feel they can express their feelings due to embarrassment, or because they do not want to burden family or friends.

Others who are suffering from depression may have tried to express their despair only to be told to pull themselves together, to put things in perspective or to count their blessings. None of these help if you are feeling depressed, and it is important not to hide your true feelings as this will only save the problem for later. Whether you are able to talk to a friend, your doctor or the Samaritans - talking really can help. If you don’t feel you can talk to anyone, you can also email or write to the Samaritans; their website address is shown above.

The following are the sort of feelings that people who are depressed often feel. If you can identify with some or all of the following feelings, please seek help and talk to someone:

- Finding it hard to cope with everyday things
- Finding it hard to make simple decisions
- Having difficulty concentrating
- Finding it hard to get the motivation to get up in the mornings
- Feeling tearful at something which would not normally affect you that way
- Lacking energy and feeling very tired
- Not wanting to talk to or be with people, and conversation can be a struggle
- Eating, drinking or sleeping more or less than usual
- Using alcohol or drugs to cope with feelings
- Feeling restless and agitated                            
- Not taking care of yourself or feeling you don’t matter
- Having recurring thoughts of death and/or suicidal impulses, where suicide seems like a welcome relief

Treatment for depression usually involves a combination of drugs, talking therapies and self help, and it will depend on the severity of the depression.

Mild depression - if you are diagnosed with mild depression but your GP feels you will improve, you may be asked to return in two weeks' time so that your progress can be monitored - also known as 'watchful waiting'. Antidepressants are not usually recommended as a first treatment, but exercise seems to help some people, and talking through your feelings may also be helpful, so the GP may suggest a local self-help group.

Chronic mild depression (present for two years or more) is called dysthymia. This is more likely in people over 55 years and can be difficult to treat, and so the GP may suggest a course of antidepressants.

Moderate depression - if you have mild depression that is not improving, or you have moderate depression, your GP may recommend a 'talking treatment' (see below) or prescribe an antidepressant.

Severe depression - your GP may recommend that you take an antidepressant, together with talking therapy. A combination of an antidepressant and cognitive behavioural therapy (CBT) usually works better than having just one of these treatments. You may be referred to a mental health team. These teams are usually made up of psychologists, psychiatrists, specialist nurses and occupational therapists. They often provide intensive specialist talking treatments, such as psychotherapy.

Talking treatments for depression:
- Cognitive behavioural therapy (CBT) - CBT is based on the principle that the way we feel is partly dependent on the way we think about things. It teaches you to behave in ways that challenge negative thoughts - for example, being active to challenge feelings of hopelessness.
- Interpersonal therapy (IPT) - IPT focuses on your relationships with other people and on problems, such as difficulties with communication or coping with bereavement. There is some evidence that IPT can be as effective as medication or CBT, but more research is needed.
- Counselling - Counselling is a form of therapy that helps you to think about the problems you are experiencing in your life, in order to find new ways of dealing with them. Counsellors support you in finding solutions to problems, but do not tell you what to do.

Antidepressants take 2-4 weeks to take effect. You should continue taking the antidepressants for at least four weeks (six weeks if you are elderly) to see how well they are working. If your antidepressants are working, treatment should be continued at the same dose for at least four to six months after your symptoms have eased. If you have a history of depression, you may continue to receive antidepressants for up to five years, or longer. Antidepressants are not addictive but withdrawal symptoms are quite common if you stop taking them suddenly, or you miss a dose.


 

About Life Insurance for Depression

A life insurance policy is designed to pay out a lump sum upon the death of a person or persons named on the policy.

Most people understand that if they have a family or significant liability, then life insurance is a vital product to make sure the people and things they care about are protected.

There are many different types of life insurance available depending on your needs. The good news is that we are able to help you with all of them.

We take the time to ensure that our customers have the most appropriate life insurance to meet their needs, whilst also making sure that the price is right. Some of our most satisfied customers came to us as they were unable to obtain the life insurance they wanted elsewhere.

We can't guarantee that we can get you life insurance, but we will leave no stone unturned. Given our experience, if we are unable to get you life insurance cover, it is unlikely you will be able to get it at all. We will however give you a good understanding on future insurability, and an honest assessment of your situation.

Whatever your life insurance needs, we are able to help you. We have access to all the products from all of the UK's leading insurance providers.
 
 
     
Life Insurance Help Contact Details
 
Platinum Financial Consulting
The Old School House, East End Road
Bradwell-on-Sea, Essex, CM0 7PY


Telephone : 020 33 55 4831               Fax : 0871 277 1422          Email : help@platinumifa.co.uk

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FCA Registration Number : 227014

 
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