Panic Attacks & Life Insurance

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Panic Attacks & Life InsurancePanic attacks can be triggered by a number of things and we understand that going through the process of applying for life insurance may seem unsettling, standard terms are often offered to people who do have panic attacks.

Things we need to know to get started:

  • How often do you have panic attacks?
  • Have you had any time off work because of this?
  • Do you take any medication or undergo any treatment for panic attacks?

Having panic attacks will not generally affect your life insurance application so long as the condition is controlled and has not led to recent serious events such as suicide attempts. If the condition has caused significant time off work, required high strength medication or psychiatric treatment, then the price for life insurance with anxiety issues could increase. It is not uncommon however for life insurance for those with panic attacks to be accepted at normal terms.

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.

In a similar bracket as life insurance, panic attacks themselves are unlikely to affect a critical illness cover applications in a big way. High strength medication, self harm and large periods of time off work can cause price increases, but often critical illness insurance for people with panic attacks is accepted at normal terms.

Applications for critical illness cover with anxiety disorders are handled with the utmost sensitivity so as to minimise any stress caused. 


Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.

Income protection for people that have panic attacks / anxiety disorders can often be sourced without the price of the policy increasing. You should however note that if you have had symptoms or have taken medication within the last few years then you will receive an exclusion for conditions relating to mental health. If you have been a number of years without symptoms or medication some providers may be able to consider cover without the exclusion.


Are you planning a trip abroad? It is worthwhile making sure that you know exactly what your travel insurance covers you for, when it comes to panic attacks. Visit our dedicated travel insurance page for more information, here.

You can view a transcript for this CuraVision Mental Health video here.


What are Panic Attacks?

Panic attacks are a debilitating condition that can often be difficult for people to understand, unless they themselves or someone close to them has experienced them. A panic disorder is primarily manifested by the recurrence of panic attacks at what are considered normal social situations that “should” not be scary. When you have a panic attack your body and mind enter into a ‘flight’ mode, with people often only able to become calm once they have left the trigger situation.

Symptoms often mimic a heart attack and can be extremely disconcerting for the individual experiencing them. Panic attacks often occur after a build up of stress experienced by an individual and with counselling the initial trigger point can de determined, and hopefully overcome. Treatments such as hypnotherapy, acupuncture, cognitive behaviour therapy can sometimes help. For some individuals, the fear of potentially having a panic attack can develop which can lead to other conditions such as agoraphobia.

Also Known as: Anxiety disorder, panic disorder

Linked with: Agoraphobia, chest pain, shortness of breath

Common problems experienced by individuals who experience panic attacks include

  • Racing heart and chest pains
  • Shortness of breath
  • Extreme fluctuation between hot and cold
  • A warm tingly sensation throughout the body
  • Continence issues
  • Sweaty palms
  • Heart palpitations
  • Feeling of helplessness.

Many people who experience a panic attack for the first time describe the feeling as if they were having a heart attack. The symptoms can often be mistaken by family, friends and work colleagues as a heart attack.

Common Questions

These questions can be difficult to answer. I have anxiety and have had panic attacks, it can be quite hard to decide what is ‘anxiety’ and what is just regular day to day anxiety. I sometimes sit exams and can feel a bit anxious beforehand, as many people would do. That isn’t necessarily what the insurers are asking for. It’s a good idea to chat with an adviser who can chat through the best way to complete the form.

Client Reviews

Cura Financial Services has been rated 5 out of 5 based on 467 reviews.

Review by Sarah on 26th January 2018

Cura really helped me out when I got declined life insurance online they really took their time and listened to my needs - 5 

You can read more of our reviews here.

Panic Attacks & Life Insurance

Dr Kathryn Knowles Phd

This page was written by Dr Kathryn Knowles Phd, an award-winning insurance adviser. To read more about Kathryn please see her bio here

Panic Attacks & Life Insurance

Client Reviews

Panic Attacks & Life Insurance

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