10/10/2026
Mental health problems are incredibly common, and having a history of anxiety, depression, counselling or medication does not automatically mean life insurance is off the table.
Insurers look at the full picture: how recent it was, how severe it was, treatment, medication, time off work and how things are now.
And different insurers can reach different decisions on the same history.
At Prime Future, we work with 17 different insurers and work closely with their underwriting teams on cases that aren’t straightforward.
If you’ve been declined before, or you’d simply like us to look at your circumstances and see what options may be available, speak to us.
World Mental Health Day 2026
Sources: Adult Psychiatric Morbidity Survey 2023/24; HSE work-related stress statistics 2024/25.
Cover is subject to underwriting and individual circumstances.
Prime Future Ltd (FCA Firm Reference Number 1032904) is an Appointed Representative of TMG Direct Limited, which is authorised and regulated by the Financial Conduct Authority under Firm Reference Number 786245.