Life Insurance with Insomnia


Insurers in general do not have a reputation for declining life insurance and other covers to those with Insomnia.

Cover availability may be affected if insomnia is not your only medical condition or if your insomnia results from another underlying condition.

Every individual is affected differently by Insomnia and often at different times in life, so any attempt to give general guidance about the availability of Life Insurance is difficult while at the same time providing guidance that is relevant, useful and accurate for everyone.

If you have not yet approached mainstream insurers for Life Cover, in most cases where your issues were some way in the past, this is a good first step as cover may be available.

If, however, you have been declined for cover or only offered cover with some exclusions, it may be that Pulse Insurance can help.

We are not always able to find cover, but we like to think if cover is available, we will find it.


Your Insomnia

We find that each person is best treated as an individual and so providing any generic guidance even for a specific condition is difficult. As such, the details provided here are usually broadly relevant and helpful.

Our Enquiry questions should allow you to adequately tell us enough about your condition and your Life Insurance requirements. 

Please add any details you feel are relevant and inform us of any additional medical conditions you may have.

There are some situations or combinations of medical conditions where finding cover can be extremely difficult.

At Pulse Insurance, we believe if cover is available, we will be able to find it for you.


Life Insurance with Insomnia

Your specific situation should be assessed fairly by every life underwriter and where there is increased risk, premiums may be increased and in a some instances the life cover sought may not always be available.

If you have been declined by some insurers already, our underwriters will want to fully understand your past and present health in detail before they will issue a policy.

The underwriters’ assessment will be based on medical reports and focus on:-

  • Nature and onset / event or trigger for the condition
  • Severity of condition
  • Medication & psychotherapy and counselling (if relevant)
  • Stability and control including taking prescribed medication

There is a wide variety and depth of complexity to be appreciated and that drive the cost and availability of Life Insurance. 

NB If you are being treated as an in-patient in a hospital or being detained under the mental health act, then unfortunately we are not going to be able to find cover.


Other Conditions or Complications 

Sometimes Insomnia can bring other health complications or be affected by other pre-existing medical conditions. These may have a bearing on the availability and cost of Life Insurance.


If you need a specialist underwriter 

Pulse specialise in taking all specific conditions and needs into account and finding you Life Insurance cover, if it is available.  

We use our knowledge and experience to find a solution when other Life Insurers have declined to quote.


Why Pulse Insurance?

  • Pulse Insurance have been focused on finding unusual cover since 1998
  • We strive to offer a caring and sensitive service
  • We are knowledgeable insurance professionals who work as a team
  • We provide a personal service to guide you through
  • If we cannot help, it will not be for the want of trying or know-how

While finding cover for everyone is not always possible and the premium will be higher to reflect increased risk, we like to think we are good at helping people find the cover they need.

In many of Insomnia we can offer indicative premiums and/or sense of if cover may be available or not early on; so, you can decide to proceed or not. Sometimes however, we may need to await receipt of detailed Medical Report(s), the underwriters will arrange and pay for these if you take out cover. 


Being Transparent

It is always important to declare your Mental Health Disorders and any other medical conditions completely. 


Your Health & Beyond

Every person who lives with Insomnia knows that their condition and any complications will be in some way unique to them. Other aspects of your physical health and lifestyle can separately impact your risk and the cover available. These will be explicitly considered when determining the fair premium, you would pay. 

Your Pulse underwriting specialist will look to gain a detailed picture of your mental health and you should take care to disclose everything.

As you have a medical condition, it is possible that underwriters will need to seek a Doctor’s report or for you to undergo medical examinations, blood tests or other tests that will confirm your health to allow them to quote an accurate premium and confirm cover details. The costs involved in obtaining the medical information are usually paid by the underwriter, but if not, you will be informed before they are requested.

Pulse will never sell your details to anyone. We will use your details to provide the service you have asked for according to the permissions you grant us– read our Privacy and Data Protection policy in full.


Additional Covers

Pulse may be able to offer covers beyond everyday Life Insurance to give you the peace of mind and protection you desire.

The reasons you may need life cover may be simple or complex, but having the right covers brings peace of mind for you and your family.

Make an enquiry