How to manage stress
The modern world often moves at a million miles-per-hour, and if you’re experiencing stress symptoms – you’re definitely not alone. According to Mental Health UK’s Burnout Report 2024 – with data from YouGov – 91% of adults in Britain say they’ve experienced high or extreme levels of pressure or stress in the past year.
But what is stress, how does it affect the body, and does stress affect your life insurance in any way? We’ll explore all that and more in this guide.
Does stress affect life insurance?
Stress does not directly affect your life insurance policy. However, some of the consequences of stress, such as high blood pressure or deteriorating mental health, could mean you pay higher premiums when you apply. That’s because insurers take your health into account when they work out the cost of protection.
Many people successfully apply for life insurance with stress, but it’s important to disclose information about your health truthfully when you make an application. If you provide false information, any life insurance payout could be reduced or invalidated.
Why does high blood pressure affect life insurance?
Chronic and severe stress can lead to high blood pressure, which over the long-term, can increase your risk of developing heart disease and other illnesses.
The cost of life insurance takes account of your age and health. If you’re more likely to die compared to someone who is the same age but in better health, it will cost you more. So accordingly, stress-related symptoms like high blood pressure can affect the cost of your life insurance when you apply.
Fortunately, while stress can cause an increase in blood pressure, this can return to normal levels once the stress has subsided.
Does stress affect an existing life insurance policy?
If you experience stress later down the line, this alone will not affect your life insurance policy.