Life Insurance With a Mental Health Condition
Cover for You and Your Family With a Mental Health Condition
Depression, anxiety, PTSD or time off for stress can shape what an insurer asks about your cover. We help you prepare for those questions and read any exclusion on cover you already hold.
Our Financial Advice Team Is Here to Help You
We Can Help You
- Prepare answers on diagnosis, treatment and time off work from your records for a cover application
- Work through a mental health questionnaire for life or income protection cover, where an insurer offers one
- Gather a GP, psychologist or psychiatrist report for an insurance application, if the underwriter asks
- Talk through what an exclusion or a loading would mean for your income protection
- Read what a mental health exclusion still leaves an income protection policy paying for
- Request a review of a mental health exclusion on existing cover with you, if circumstances change
- Look at what default cover in super provides, and any mental health limits in its PDS
- Compare a new offer with the cover you hold before anything is cancelled
- Include a partner’s income protection and life cover in the same plan, if you’d like
- Lodge an income protection or TPD claim with you and follow it through to the insurer’s decision
Who We Help
- People with depression or anxiety in their history, and a new home loan to protect
- Employees returning from stress leave and weighing up income protection
- Parents who had postnatal depression and are now planning cover as the family grows
- Frontline workers with work-related PTSD and questions about cover beyond any through work
- Adults diagnosed with ADHD later in life and unsure how an application asks about it
- People living with bipolar disorder and planning cover around their income
- Applicants offered an exclusion for mental health, and wanting to know what it leaves covered
- Anyone relying on super cover alone, and unsure what its PDS says about mental health
- Shift or on-call workers with long-term insomnia, weighing up income protection
Mental health and sleep conditions
Getting to Know Your Situation
What We’d Want to Hear About
- Depression: when it began, any treatment, any time off work, and how things have been since
- Anxiety, including social anxiety and phobias: the type, any treatment, how it affects work and daily life, and how things are now
- Panic attacks: how often they happened, when the last one was, any treatment, and any effect on work
- Postnatal depression and anxiety: when it began, any treatment, and how you’ve been since
- Post-traumatic stress disorder (PTSD): whether it relates to your work, any treatment and time off, and how day-to-day life is now
- Obsessive-compulsive disorder (OCD): how it affects daily life and work, any treatment, and how settled things have been
- Bipolar disorder: the type, any hospital stays, medication and how stable things are, and time since the last episode
- Adjustment disorder: what was happening at the time, how long it lasted, any treatment and time off work
- ADHD: when you were diagnosed, any medication, and how work or study is going
- Insomnia: how long it has lasted, any cause, any treatment such as cognitive behavioural therapy, and any time off work
- Eating disorders: the type, any treatment, time since you were last unwell, and your physical health now
- Schizophrenia and psychosis: the diagnosis, any hospital stays, treatment and stability, time since the last episode, and work
- Personality disorders: the diagnosis, any treatment, how day-to-day life is, and any time off work
This list isn’t complete, and a diagnosis on its own decides nothing. We’d want to learn about your situation first, and any decision on cover is the insurer’s.
What we advise on
How Each Cover Asks About Mental Health
What Underwriters Look At
How does an insurer look at a mental health history when you apply?
Understanding what may be asked, and why, means you can apply prepared, with your records ready.
Together, we’ll look at what an insurer may want to understand about your history, using your own records.
The decision on an application, and on any terms, sits with the insurer’s underwriter. Questions about mental health can reach further than a diagnosis: one insurer’s form asks about stress and symptoms as well as named conditions. Insurers that subscribe to the Life Insurance Code of Practice commit to taking into account circumstances such as the history, severity or type of a condition.
What an insurer may ask about:
- The diagnosis of the condition, including the criteria used and any known cause
- The date of diagnosis, and any recurrence of the condition since the first episode
- Any counselling or medication, the dates each started and any change since
- Whether an episode was debilitating, and the effect on work and daily life at the time
- Time off work, with the dates and the length of each period away
- Current symptoms, and how day-to-day life and work are going now
- Any circumstances that contributed, such as work stress, and whether they are still present
- Form questions about stress or symptoms, which can sit alongside questions on named conditions
Life Insurance
If you passed away, who would you want supported, and how?
Life insurance can pay a lump sum to your beneficiaries, giving them money for the years ahead.
We can explain how a life application looks at a mental health history, and how its terms can differ by cover.
Life insurance can pay a lump sum if you pass away. When one application covers life, TPD and income protection, each cover can be assessed on its own, so the terms offered on life cover can differ from those on the others. The insurer decides, cover by cover.
What we go through with you for life cover:
- Terms on life cover, which can differ from the income protection terms on the same application
- Questions on depression or anxiety in a life application, answered with dates from your records
- Any hospital stay for bipolar disorder or psychosis, with the dates and what followed
- Any medication taken now or in the past, listed with start dates and any change of dose
- A life cover amount sized against debts, future costs and anyone who relies on your income
- Life cover through super, and any mental health terms set out in the fund’s PDS
- Cover from before a diagnosis, and whether replacing it would mean answering new health questions
- Life and income protection applied for together, with each cover’s offer explained separately
TPD Insurance
How would daily costs be met if you were never able to return to work?
TPD insurance can pay a lump sum if you can’t work again, as the policy defines it, to help with everyday costs.
We’ll compare TPD definitions with your work, and explain how a mental health claim can be assessed under them.
A TPD policy pays a lump sum when illness or injury leaves you unlikely to return to work, under its own definition. Own occupation looks at your usual job, and any occupation at work suited to your education, training or experience. Some TPD policies assess a mental health claim under a separate definition or partial payment option, and a mental health exclusion can remove that option.
What we look at with you for TPD:
- A mental health claim measured against your usual job, or against any work suited to your training, depending on the definition
- A separate mental health definition or partial benefit, which some TPD policies include
- A mental health exclusion on TPD, which can remove a partial payment option where a policy has one
- Default TPD cover in super, and any pre-existing condition rules in the fund’s PDS
- Work-related PTSD in a frontline role, and how your duties are described in a TPD application
- Time off and any return to work, set out with dates for the TPD questions
- Debts and day-to-day living costs a TPD lump sum would need to meet if you couldn’t return to work
- TPD cover held since before a diagnosis, compared with a new offer before either is changed
Income Protection
Is there a plan for the bills if you’re away from work for a while?
After a waiting period, income protection can pay part of your income, supporting your budget while illness or injury keeps you away.
We’ll read an income protection offer with you line by line, starting with any mental health exclusion.
Insurers that subscribe to the Life Insurance Code of Practice commit to considering whether they can offer cover by managing extra risk through higher premiums, exclusions, limits and caps, rather than not providing cover at all. On income protection, an exclusion’s wording sets what the policy still pays for. Separately, some policies limit how long a mental health claim can be paid, a limit built into the policy that applies whatever your history.
What we work through on income protection:
- The exact wording of a mental health exclusion, and whether it reaches stress, anxiety or one named condition
- A built-in limit on how long a mental health claim pays, which some policies set whatever your history
- Time off work for mental health in recent years, set out by date for an income protection application
- Work stress as a contributing factor, or long-term insomnia alongside shift or on-call work, with your occupation and duties set out
- A higher premium compared with an exclusion, so the trade-off is clear before you accept
- Income protection benefits, which are generally taxable, and any premium deduction on a policy in your own name, confirmed with an accountant
- Returning on reduced hours after mental health leave, and how any partial benefit wording in the policy reads
- Self-employed or contract income, and the records a mental health claim would need to show it
Trauma Insurance
What could help meet the costs of a serious illness without drawing on your savings?
Trauma cover can pay a lump sum for a listed condition that meets the policy’s definition and isn’t excluded, sparing your savings.
We can explain what trauma cover pays for, and where a mental health history can still come up.
Trauma insurance pays a lump sum if you’re diagnosed with a condition the policy lists, such as some cancers, heart attack or stroke, and meet its definition. Moneysmart puts it plainly: “Trauma insurance does not cover mental health conditions.” New trauma cover can’t be held inside super, which has been the rule for policies written since 1 July 2014.
What we go through with you on trauma cover:
- Moneysmart’s guidance on trauma insurance and mental health conditions, read alongside your own policy wording
- Mental health questions on a trauma application, which an insurer can still ask alongside your physical health
- The conditions a trauma policy lists, such as some cancers, heart attack and stroke, each with its own definition
- Trauma cover alongside income protection, since the two pay in different ways for different events
- Premiums for trauma cover paid outside super, budgeted alongside any income protection or TPD
- An older trauma policy kept in place, and how its listed conditions compare with newer wording
- Any trauma exclusion for a physical health condition, and how far its wording reaches
- How much trauma cover suits your situation, given what it pays for and what it leaves out
Your Answers, From Your Records
When the form asks about your mental health, how much detail should you give?
Taking each question at your own pace, with your records beside you, can help you answer with reasonable care.
We can sit down with you and your records and go through each question exactly as it’s asked.
Since 5 October 2021, the duty when applying for consumer life cover is to take reasonable care not to make a misrepresentation, which means answering the questions asked with reasonable care. If you leave out important details, the insurer may change or cancel your cover or refuse a claim (Moneysmart). To access your health information, insurers that subscribe to the Life Insurance Code of Practice commit to using consent wording agreed with the Royal Australian College of General Practitioners.
What we go through together before anything is lodged:
- Dates of diagnosis, counselling sessions and medication changes, confirmed from your practitioner’s records
- Time off work for stress or a mental health condition, with the dates from your leave records
- Form questions that mention stress or symptoms, answered as they’re asked, whether or not there was a diagnosis
- A GP consultation about stress or low mood, answered as the form’s question is worded, with the date
- Notice each time a subscribing insurer uses your consent to access health information, a Life Code commitment
- Family history questions, which subscribing insurers limit to what you know about parents, children and siblings
- Insomnia or other sleep problems, answered wherever a form asks, which on one insurer’s form sits with lung and breathing conditions
- A final read-through of the form with you, every mental health answer included, before you sign
Applying With Help
What happens after your application reaches the insurer, and before it makes a decision?
Knowing what may come next, with each step explained as it comes, can make the wait easier.
We’ll put your application together with you, and explain what an insurer may do before it decides.
Insurers that subscribe to the Life Insurance Code of Practice commit not to decline cover before you’ve had the chance to give information about the history, severity or type of your condition. Some insurers offer a mental health questionnaire, which may let an underwriter decide without further medical evidence. If alternative terms are offered, a subscribing insurer commits to explaining them, including how long they’re intended to apply.
The steps we take with you on an application:
- Mental health questionnaires some insurers offer, filled in with you using the dates in your records
- Psychologist, psychiatrist or GP reports on your condition, released with your signed consent at the insurer’s request
- The chance to give the history, severity or type of your condition before any decline, a Life Code commitment
- The stated length of any exclusion or loading offered, which a subscribing insurer commits to explaining
- Support from a family member, carer or friend, which subscribing insurers commit to allowing in all reasonable ways
- Whether to apply now or later after a recent episode, given a deferral for a period can be one result
- An indication on income protection terms before a full application, through pre-assessment where an insurer has it
- An earlier mental health exclusion or decline, answered exactly as the new form’s question is worded
Cover You May Already Hold
Could any policy in your name be reviewed if your circumstances have changed?
A fresh look at your policy, together, can show whether your terms could be worth revisiting with the insurer.
We can read any cover you hold with you, and help you ask an insurer to review an exclusion.
Insurers that subscribe to the Life Insurance Code of Practice commit to telling you that you can ask them to review alternative terms if your circumstances change. Cover you already hold was issued on its own terms, and the policy wording sets when they can change, so it’s worth reading before you change or replace it. On a replacement, a subscribing insurer commits to telling you not to cancel existing cover until it accepts your application.
What we confirm with you:
- A request for the insurer to review a mental health exclusion, such as after years without an episode
- The insurer’s original letter setting out the exclusion and any period it was intended to apply for
- Default cover in super, which Moneysmart notes can be useful if health conditions make other cover hard to get
- Group cover through super or work, which may carry its own mental health limits in the PDS
- Existing cover kept in place until a replacement is accepted, which subscribing insurers commit to telling you
- Income protection bought before any mental health history, and what replacing it could change
- Cover in an older super account, read before it is closed or rolled into another fund
- A claim on existing income protection for a mental health condition, lodged with you under its terms
Your options
Why Work With a Financial Adviser for Your Personal Insurance?
| A Ryker financial adviser | Directly from an insurer | An online broker or comparison site | |
|---|---|---|---|
| Type of advice | Personal advice Personal adviceAdvice tailored to you. Like most financial advice, it’s given under an Australian financial services licence.Personal, not general. General advice is a recommendation or opinion that doesn’t consider your circumstances. Personal advice is tailored to your objectives, financial situation and needs.In your best interests. When we give you personal advice, the law requires us to act in your best interests.In writing. You’ll usually receive a Statement of Advice that explains the strategies and cover recommended to you, and why.On the public register. Financial advisers who give personal advice on life insurance, super and investments must be on ASIC’s Financial Advisers Register. See our financial advisers on the register:Ray RegmiRicky (Rajiv) RegmiJack OinezaDean DesoukeyRyker’s financial advisers are authorised representatives of Synchron Advice Pty Ltd, AFSL 243313. | Usually general advice | Usually general advice |
| Advice that considers your health, family, work and goals | Yes, as part of your advice | Not with general advice | Not with general advice |
| Choice of insurers | A wide range | That insurer’s policies only | A panel of insurers, side by side |
| Help preparing your application | Yes, alongside you | The insurer’s own process | Varies |
| Advice on holding cover inside or outside super | Part of your advice | Not with general advice | Not with general advice |
| Support if you need to claim | Yes, we’re in your corner | The insurer’s claims team | Varies |
| Cost of advice | No cost for the initial conversation. Any advice after that is a paid service, with its scope and fee agreed with you in writing first. Choose: | No separate advice fee | No separate advice fee |
Type of advice
- Ryker financial adviser
- Personal advice Personal adviceAdvice tailored to you. Like most financial advice, it’s given under an Australian financial services licence.Personal, not general. General advice is a recommendation or opinion that doesn’t consider your circumstances. Personal advice is tailored to your objectives, financial situation and needs.In your best interests. When we give you personal advice, the law requires us to act in your best interests.In writing. You’ll usually receive a Statement of Advice that explains the strategies and cover recommended to you, and why.On the public register. Financial advisers who give personal advice on life insurance, super and investments must be on ASIC’s Financial Advisers Register. See our financial advisers on the register:Ray RegmiRicky (Rajiv) RegmiJack OinezaDean DesoukeyRyker’s financial advisers are authorised representatives of Synchron Advice Pty Ltd, AFSL 243313.
- Direct from an insurer
- Usually general advice
- Online broker or comparison site
- Usually general advice
Advice that considers your health, family, work and goals
- Ryker financial adviser
- Yes, as part of your advice
- Direct from an insurer
- Not with general advice
- Online broker or comparison site
- Not with general advice
Choice of insurers
- Ryker financial adviser
- A wide range
- Direct from an insurer
- That insurer’s policies only
- Online broker or comparison site
- A panel of insurers, side by side
Help preparing your application
- Ryker financial adviser
- Yes, alongside you
- Direct from an insurer
- The insurer’s own process
- Online broker or comparison site
- Varies
Advice on holding cover inside or outside super
- Ryker financial adviser
- Part of your advice
- Direct from an insurer
- Not with general advice
- Online broker or comparison site
- Not with general advice
Support if you need to claim
- Ryker financial adviser
- Yes, we’re in your corner
- Direct from an insurer
- The insurer’s claims team
- Online broker or comparison site
- Varies
Cost of advice
- Ryker financial adviser
- No cost for the initial conversation. Any advice after that is a paid service, with its scope and fee agreed with you in writing first. Choose:
- Direct from an insurer
- No separate advice fee
- Online broker or comparison site
- No separate advice fee
Your Cover and Mental Health History, Worked Through Together
Questions Gone Through Before Applying
Each question about your history, treatment and time off gone through with you before anything is lodged.
Exclusion Wording Explained in Plain Terms
What a mental health exclusion would leave covered, explained before you decide on an offer.
A Review of Your Terms Requested
A request to the insurer to review an existing exclusion, made with you if circumstances change.
Super Cover Read Through
Any default cover in super, and what its PDS says about mental health, read through with you.
A Replacement Compared Before Cancelling
Any new offer set beside the cover you hold, so nothing is cancelled before the new cover is accepted.
A Partner’s Protection Considered
Cover for a partner, if you’d like it included, looked at alongside your own.
When to Apply, Talked Through
Applying now or after a recent episode, weighed with you and the reasons explained.
Income Protection Claims Followed Through
An income protection or TPD claim lodged with you and followed through to the insurer’s decision.
Proactive, Holistic, and Experienced Financial Planning
Talking about your mental health with someone new can take a lot, so the pace here is yours. We listen first and ask only what helps us understand your situation, and you can pause, take a break or come back to anything later. There’s no need to have dates or details ready before we start. Questions are welcome at any stage, and there is nothing you need to decide straight away.
If it would help to have someone with you, a partner, a family member, a friend or a carer is welcome, from the first conversation or any time after. We take on the forms and follow-ups with you, so there is less for you to keep track of along the way, and we explain each step before it happens. We help you plan protection around your income, your goals and the people who matter to you.
Every financial decision impacts the next
Your Financial Life Is Connected
Great advice starts with understanding the bigger picture. Every stage of life presents new opportunities and challenges, from buying property and changing careers to growing your family, planning for retirement and protecting what matters most. At Ryker, we help connect every piece of your financial world into one clear strategy.
Your
Wealth
- Property & Investing
- Career & Income
- Tax Strategy
- Insurance & Protecting Your Family
- Super & SMSF
- Wealth & Investments
- Life Events & Changes
- Business & Wealth
- Legacy & Future Wealth
- Retirement Planning
Frequently Asked Questions
Ryker’s financial advisers are licensed to give personal advice under Synchron Advice’s Australian financial services licence (AFSL 243313). We start with you: your mental health condition, your family, work, income, assets and goals. Then we recommend the types and amounts of cover that suit your life.
With a financial adviser, you also have:
- Access to a wide range of insurers, who can assess the same health details differently
- Help preparing your application and answering the health questions with care
- Advice on whether to hold cover inside or outside super, and the trade-offs
- Reviews as your health, family and work change
- Someone in your corner if you ever need to claim
Going directly to an insurer can mean no separate advice fee, but you’ll only see that insurer’s policies, and you’ll generally receive general advice only, which doesn’t consider your personal circumstances.
Going through an online comparison site or broker, you may see more options side by side, but they also generally provide general advice only, which doesn’t consider your whole financial picture.
When we give you personal advice, the law requires us to act in your best interests, which we take personally. The insurer still decides whether to offer cover and on what terms.
We’re invested in your long-term success. What we do is personal, and we take it personally.
Your financial decisions connect, so we consider the parts of your financial life that are relevant to the advice you need:
- Property & Investing
- Career & Income
- Tax Strategy
- Insurance & Protecting Your Family
- Super & SMSF
- Wealth & Investments
- Life Events & Changes
- Business & Wealth
- Legacy & Future Wealth
- Retirement Planning
This is how we help you make decisions today with your longer-term goals in view.
Everybody’s situation is different, so we listen first, understand what matters to you and explain your options clearly before we make a recommendation.
It varies between insurers. One insurer’s income protection form, for example, asks about depression, anxiety, panic attacks, stress, ADHD, postnatal depression, post-traumatic stress disorder and symptoms of any other mental health condition. Because some questions reach stress and symptoms as well as diagnoses, each one is worth reading exactly as it’s worded. Insomnia can come up too: one insurer’s medical examination form asks about any sleeping disorder in the same question as lung and breathing conditions, apart from its mental health question.
We go through the form with you, using your records for the dates of any diagnosis, counselling, medication and time off work. We’d want to understand your situation before anything is said about cover, and the insurer makes the decision.
That depends on your history, so we’d want to learn about it before anything is said about cover. An insurer may ask when the condition began, any treatment, any time off work, whether it has come back and how things are now. Insurers that subscribe to the Life Insurance Code of Practice commit to considering higher premiums, exclusions, limits and caps rather than not providing cover at all.
If alternative terms are offered, such as an exclusion or a higher premium, we’ll explain what each would mean for your income before you decide. Some policies also limit how long any mental health claim pays, so we read that wording too. Free, confidential support is available from Beyond Blue on 1300 22 4636 and Lifeline on 13 11 14.
An exclusion is a term on a policy that limits cover for specified conditions, events or related claims according to its wording. A mental health exclusion might name one condition or reach more widely, so its exact words matter more than its label.
On income protection, the wording sets which claims the policy can still pay, which may include time off for an unrelated injury or physical illness. We read the exclusion with you before you accept an offer, and if it’s already on a policy you hold, we can explain what it leaves covered.
You can ask. Insurers that subscribe to the Life Insurance Code of Practice commit to telling you how long any alternative terms are intended to apply, and that you can ask them to review those terms if your circumstances change. Whether to change them is the insurer’s decision.
If things have changed, such as time passing since your last episode, we can gather what a review would need and make the request with you. We’ll also read the insurer’s original letter, since some terms were set to apply for a stated time.
It can, depending on how each question is worded. Some application forms ask about stress and symptoms as well as diagnosed conditions, so time off for stress or counselling some years ago can fall within a question even without a diagnosis. Since 5 October 2021, the duty when applying for consumer life cover is to take reasonable care not to make a misrepresentation, which means answering the questions asked with reasonable care.
We go through each question with you and your records, so the dates of any leave and sessions are confirmed rather than guessed. If a question’s wording is unclear, raise it with us first, and we’ll work through it together before you answer.
Moneysmart says: “Trauma insurance does not cover mental health conditions.” Trauma cover pays a lump sum on a condition the policy lists, such as some cancers, heart attack or stroke, when its definition is met. A trauma application can still ask about your mental health as part of your health as a whole.
Income protection and TPD claims can involve a mental health condition, subject to each policy’s terms and any exclusion. We’ll explain how the covers fit together for your situation before you apply.
It can ask about family history. Insurers that subscribe to the Life Insurance Code of Practice commit to limiting those questions to the family history you know about, for first-degree blood relatives: parents, children and siblings.
If a parent or sibling lives with a condition such as bipolar disorder, we’ll go through what the form asks with you and help you answer each question accurately.
Online policies can be quick to buy, and some skip most medical questions. Moneysmart notes that when an insurer doesn’t ask for your medical history, the policy may have more exclusions or narrower definitions. That is worth knowing if mental health is part of your history.
When you work with a financial adviser, your history is set out with you on an application that asks the full questions, and any terms are explained before you say yes. Whichever way you buy, each question you’re asked still needs a careful, accurate answer.
Your accountant and financial adviser bring different expertise to the same decisions. Your accountant can advise on tax reporting, structures and consequences; we help you plan how cashflow, debt, super, investments and protection work towards your goals. We can coordinate before important decisions.
What an accountant does
- Prepares and lodges tax returns, BAS and financial statements
- Advises on tax structures such as companies, trusts and partnerships
- Manages bookkeeping, payroll and ATO compliance
- Provides tax advice on the consequences of a transaction
What a financial adviser does
- Sets a long term strategy across retirement, investing and cash flow
- Builds wealth from early in a working life, starting with cash flow, a first home and super
- Recommends specific super funds, investments and personal insurance
- Operates under an Australian Financial Services Licence, which is required to give personal advice on financial products
- Handles retirement planning, Centrelink and aged care strategy, and estate planning considerations
Professional roles and authorisations matter. We provide financial advice within our authorisations and work with your accountant for specialist tax advice and lodgements.
Where they work together
- Tax position. Your accountant confirms your marginal rate, deductions and carried forward losses, which shapes decisions on super contributions, investment structures and the timing of asset sales.
- Business and entity structures. Your accountant advises on the structure itself and your financial adviser works within it for investments, insurance and succession planning.
- Cash flow. Your accountant’s figures can help us understand what’s available for debt repayment, protection and longer-term goals.
- Before key decisions. We can coordinate with your accountant on contributions, asset sales and other material choices in time to consider relevant tax consequences.
Always. There’s no need to prepare anything, or to go into your history in detail, before we begin.
There’s no cost for the initial conversation. Any advice after that is a paid service, with its scope and fee agreed with you in writing first. In that first conversation we talk about your income, anyone who relies on it and what you’d like protection to do, in as much depth as suits you.
You’ll know the possible next steps by the end, and whether to take them is up to you.
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Whatever’s on your mind, we’re here to help. You’ll speak with an authorised financial adviser who’ll listen first and get to know what matters to you.
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