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Stress Awareness Month 2024

Stress Awareness Month 2024

Stress Awareness Month takes place in April every year, to highlight the health risks of stress and how to improve our mental health and well-being. According to Statista, the most common forms of stress in the UK are:

  • Work-related stress (79% of people surveyed reported this)
  • Stress about money and finances (60% of people surveyed reported this)
  • Family-related stress (48% of people surveyed reported this)

Stress Awareness Month aims to raise awareness for both the causes of stress and the easiest ways to reduce our stress levels. Throughout April, healthcare professionals and charities work hard to support people living with stress and to provide helpful resources and advice.

This year, a 30-day challenge has been launched for Stress Awareness Month.This challenge encourages people across the UK to make one positive change each day to improve their physical, mental, and emotional well-being.

A picture of a stopwatch

60-Second Summary – Stress Awareness Month 2024

Stress Awareness Month is observed in April each year, to highlight the health risks of stress and to promote mental well-being. Common causes of stress in the UK include work-related stress, money and finance issues, and family-related stress.

Applying for a new life insurance policy can also feel stressful for some people, which is why our experts work hard to explain all the steps and to make the process as smooth as possible.

  • Stress Awareness Month focuses on raising awareness of the causes of stress and providing resources for stress reduction, including a new 30-day challenge to complete in April.
  • Stress management tips include identifying stress triggers, breaking tasks into manageable steps, engaging in self-care activities, seeking support, and considering therapy options.
  • If you are really struggling with stress (or your mental health in general), various UK organisations can help. Charities like Mind and Mental Health UK can provide online resources and will have someone impartial that you can talk to about your feelings.
  • If you’re worried that stress will affect your ability to get life insurance, you can speak to a mental health life insurance expert for support and guidance.

When is Stress Awareness Month UK?

April has been Stress Awareness Month in the UK since 1992. This awareness month encourages people to address any causes of stress in their lives and to talk openly about their mental health.

One of the main reasons for stress in the UK is stress caused by our job roles or workplace. BBC News recently reported on how to deal with stress at work, as this has become a major issue across the UK.

How to cope with stress at work | BBC News

When we talk about ‘stress awareness’, this means being aware of the effects of stress on our bodies and our minds.

Stress awareness is important, as prolonged feelings of stress can lead to further issues with mental health. Many people who often experience stress will go on to develop other mental health conditions, such as anxiety and depression.

What are 5 symptoms of stress?

There are many common symptoms of stress and not everyone will experience stress in the same way. Mental symptoms include feeling overwhelmed or anxious, struggling to make decisions, and being forgetful or having difficulty concentrating.

Stress can affect our behaviour too, causing us to become irritable, sleep a lot or not enough, and avoid people or places that trigger stress. Some people turn to alcohol or nicotine when they are feeling stressed, as a form of stress release.

Physical symptoms like headaches, tense muscles, and stomach issues can also be triggered by stress.

How can I be stress aware?

One of the main ways to be ‘stress aware’ is to understand the potential causes of stress. The NHS has published a list of common reasons for feeling stressed which includes:

  • Worrying about work
  • Childhood experiences
  • Significant life changes (e.g. moving house or a new job)
  • Issues with money
  • Illnesses or injuries
  • Pregnancy
  • Raising children
  • Feeling lonely

If we can identify potential areas of stress in our lives, we can then address them. This could be something as simple as talking to your manager about your workload (if your stress is work-related). It can also be helpful to speak to a trusted friend or family member about how you are feeling, so that you don’t end up feeling isolated or overwhelmed.

Managing stress might seem too difficult or impossible depending on your situation. However, there are some simple and easy ways to manage your stress levels to help improve how you are feeling.

This short video is from the mental health charity Mind, and it explains more about how stress develops and their main tips for managing your stress levels.

Mind – Tips for Managing Stress

Based on tips from charities like Mind and healthcare organisations like the NHS, here are 5 Top Tips for managing stress:

  1. Try and work out what causes stress for you, so that you can avoid these triggers or be prepared for these situations in the future.                                                                                         
  2. Try not to do too many things at once and break tasks down into small and easy-to-manage steps
  3. Take some time for yourself and think about the positive things in your life. This can include making time for an existing hobby or even starting a new hobby that excites you.
  4. Talk to someone that you trust about how you feel. People are often more sympathetic than we imagine, and sharing your feelings can help you to feel less alone.
  5. Reach out for support from a charity, or healthcare organisation if things are getting too much. It can be helpful to talk to someone impartial and they may be able to offer additional resources, such as access to cognitive behavioural therapy (CBT).

There won’t be one ‘best’ way to deal with stress, as what works for one person might not work for someone else. The main thing is to figure out what method works for you to relieve stress.

You should make sure to take care of your mind and body as much as you can, and to talk to others for support if you’re struggling with stressful situations.

If you’re struggling to deal with stress, it can be helpful to reach out and talk about how you are feeling. If you’d prefer to talk to someone impartial, many charities including Mind and Mental Health UK provide online resources and telephone helplines.

Mind

Mind is one of the UK's biggest and best known mental health charities and they work hard to empower and support anyone with mental health issues or questions. Mind help to provide various support services and many informative online guides and resources.

Mind has been established for over 60 years and has provided services to millions of people through over 1000+ local support services in England and Wales.

Contact details

Telephone0300 123 3393
Email
- info@mind.org.uk

Mental Health UK

Mental Health UK has been supporting the mental health of people across the UK for more than 50 years. They deliver services both locally and nationally to empower people with the information they need to take care of their mental wellbeing.

They work to combat and raise awareness of the root causes of mental health issues and give people the necessary resources to enhance their well-being in their home, academic, and professional environments.

There are 4 organisations that merged to form Mental Health UK which are Rethink Mental Illness (England), Adferiad (Wales), Change Mental Health (Scotland) and Mind Wise (Northern Ireland).

Contact details

Telephone (England) - 0121 522 7007
Telephone (Wales) - 01792 816 600/832 400
Telephone (Scotland) - 0131 662 4359
Telephone (Northern Ireland) - 0289 040 2323
Email - info@mentalhealth-uk.org

Can stress make you feel unwell?

Stress is known to have a physical impact on the body and can cause us to feel unwell. Many people who experience stress report feeling tired or nauseous, and we can experience digestive issues and chest pain in extreme cases.


What are the symptoms of coming down from stress?

It can take a while for our bodies to recover from the effects of chronic stress, and it may be days or months before we feel fully back to normal again. As we recover from stress, we can feel less irritable and more relaxed, and physical stress symptoms like headaches might stop.


What is the number one cause of stress in the UK?

The number one cause of stress in the UK is work-related stress. Most people in the UK will experience stress due to their job role at one point or another, and many people experience ongoing stress for weeks or months at a time.

If you are experiencing extreme stress due to your job role, it is important to reach out for support. This can include speaking to friends or family members for advice, or even talking to your manager or your company’s HR department.

YES – Stress generally isn’t thought of as a serious mental health condition by insurance companies, so you shouldn’t experience major problems when buying a policy. If you have experienced minor symptoms and don’t have any other medical conditions, it is usually quick and simple to get the cover that you need.

In some cases, stress can be linked to other conditions like depression or high blood pressure. If this applies to you, it can be helpful to get some expert advice about what policies will be available for you and how to find the best prices.

Most of us will experience a common mental health issue like stress at some point in our lives. This shouldn’t affect the life insurance options that are available for you, and policies can be both available and affordable with the help of a life insurance expert.

A stress life insurance expert will know which insurance companies will work best for your health and background. An expert advisor can use this information to make sure that you get the right price and level of cover.

Our experts also understand that applying for something like life insurance can feel stressful, especially if you have never applied for a policy before. This is why our experts always take the time to talk you through the process and will keep in touch at every stage.

If you need free and impartial life insurance advice, you can speak to our team on 0800 009 6559 or CLICK HERE.

NHS patient survey shows record low satisfaction

NHS patient survey shows record low satisfaction

A recent NHS patient survey has revealed that public satisfaction with the NHS has dropped to a record low. In the British Social Attitudes Survey, over 52% of NHS patients stated that they were dissatisfied with the care they had received from the NHS.

Overall, only 24% of people who were surveyed said that they were satisfied with level of care on offer from the NHS. This is a significant 5% drop in patient satisfaction, compared to only one year earlier.

These figures are sadly not surprising, as more and more UK residents have been turning to private health insurance as an alternative to NHS services.

A picture of a stopwatch

60-Second Summary – NHS patient survey shows record low satisfaction

Millions of people across the UK feel that the NHS is not providing the level of care that they need. The latest NHS patient survey has recorded the lowest levels of patient satisfaction since the survey first began in 1983.

On the other hand, private healthcare has become more popular. According to The Guardian, 1 in 8 Brits will now pay for private treatment instead of waiting in long NHS queues.

  • Only 24% of people surveyed were happy with the NHS care that was available to them, with only 13% being happy with social care services
  • 48% of the people who were surveyed stated that they would like the government to spend more money on improving the NHS
  • Satisfaction with the NHS has dropped by 29% since 2020, following the impact of the Covid-19 pandemic on NHS waiting times
  • Private health insurance is a useful way to access additional health support, alongside the care on offer from the NHS. Health insurance is intended to complement NHS services, and not to completely replace them.

The British Social Attitudes Survey is a survey that is conducted by the National Centre for Social Research, with over 3,000 UK residents being surveyed in 2023.

Any data about the NHS is published by the Nuffield Trust and King’s Fund, and this year the results have shown record low levels of patient satisfaction. Most people that were surveyed were unhappy with the NHS, with many complaints mentioning long waiting times and lack of staff and funding.

This latest survey has been covered by major news channels including Sky News, BBC, and the below clip is from Channel 4 News.

Public satisfaction with NHS at lowest level ever recorded, poll shows

The British Social Attitudes Survey is funded by the Gatsby Charitable Foundation, with some funding from other organisations. The UK government used to provide funding, but this has now been replaced by funding from the Nuffield Trust and King’s Fund.

This survey has been conducted each year since 1983, other than in 1988 and 1992.

The aim of the survey is to find out how the UK public feel about topics like healthcare, child care, government spending etc.

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There have been a lot of news stories in recent years about issues with the NHS and this latest survey has revealed facts like:

  • Public satisfaction with the NHS has hit a record low, with less than a quarter of people (24%) being happy with NHS care and services
  • Satisfaction with the NHS has dropped by 29% since 2020, after the effects of the Covid-19 pandemic. 5% of this drop in satisfaction happened between 2022 and 2023.
  • Most people who were surveyed don’t want a new system and want improvements made to current NHS systems
  • Almost half of people surveyed (48%) would be happy to pay higher taxes if the money went to improving NHS services
  • 71% of people who were surveyed said that they were concerned about delays in hospital and GP appointments
  • 54% of people were unhappy with staff shortages and 47% felt that the NHS is underfunded
  • Most issues with low satisfaction are due problems with GP and dental services. Satisfaction with GP services has dropped by 34% since 2019 (before the pandemic)

Source: Nuffield Trust – Public satisfaction with the NHS and social care in 2023

Private health insurance is not necessarily ‘better’ than the NHS, but it can offer a more convenient and flexible way to receive medical care. Private healthcare can be easier to access, and you can often book in appointments and treatments at a time to suit you.

Many private health insurance companies also offer extra benefits for their customers like online GP apps and discounts for gyms, smart watches and more.

It’s important to remember that while private health insurance is helpful, it won’t cover every situation. Most companies won’t pay of for things like emergency treatment or treatment of pre-existing conditions.

This is why private health insurance is designed to work alongside the NHS and it isn’t a total replacement for NHS services.

The simplest way to buy a private health insurance policy is to speak to an experienced health insurance specialist. An expert advisor can compare the best quotes across the market, so that you never pay more than you need to for the cover that you need.

You can call 0800 009 6559 to speak to our experts or CLICK HERE to fill in our online form.

National No Smoking Day UK 2024

National No Smoking Day UK 2024

National No Smoking Day is celebrated on the second Wednesday of March every year in the UK. On this day, organisations across the UK come together to raise awareness of the health risks of smoking and to promote a smoke-free lifestyle.

Quitting smoking can significantly improve your overall health, as smoking has been linked to the diagnosis of many serious medical conditions. This includes conditions like cancer, heart attack, stroke, high blood pressure, diabetes and lung disease (e.g. COPD).

Smokers will also pay higher prices for policies like life insurance, as insurance companies will view them as being a ‘higher risk’ for needing to claim. Smokers can significantly reduce the cost of their life insurance by quitting smoking and by speaking to a smokers life insurance specialist.

A picture of a stopwatch

60-Second Summary – National No Smoking Day UK 2024

National No Smoking Day happens annually on the second Wednesday of March to raise awareness of the dangers of smoking and to promote a smoke-free lifestyle.

Smoking can cause many health issues and increases the risk of developing serious medical conditions like cancer. According the Centers for Disease Control and Prevention (CDC), quitting smoking can add as many as 10 years to your life expectancy.

  • Quitting smoking offers numerous health benefits, such as reducing the risk of cardiovascular disease and certain cancers, improving lung function, and enhancing your overall quality of life.
  • The NHS recommends various methods to help you to quit smoking, including using nicotine replacement therapies or vapes (e-cigarettes)
  • The UK government has introduced measures like the smoke-free generation initiative, aiming to make England smoke-free by 2030.
  • If you are a smoker, you can save money on your life insurance policy by quitting or cutting back on how much you smoke. A medical life insurance specialist can offer free advice about life insurance and smoking, and will be able to find the best quotes and policies for you.

National No Smoking Day was started in 1984 to highlight the negative impact of smoking on your health. This day was used to encourage smokers to quit, sharing tips for how to start their journey to a smoke-free life.

Many public health organisations and charities still use this awareness day to encourage people who smoke to quit or cut back. This includes organisations like the NHS, as well as charities like the British Heart Foundation and Macmillan Cancer Support.

Smoking can have a drastic impact on your health, which has been highlighted in this video from the NHS. Here, Donna shares her story about how she began and ultimately quit smoking.

Donna’s Story – the benefits of quitting smoking

National No Smoking Day takes place in March every year, usually on the second Wednesday of the month. This year National No Smoking Day 2024 falls on the 13th of March 2024.

How to get involved in UK National No Smoking Day 2024

There are many very easy ways to show your support for National No Smoking Day 2024. This could be as simple as raising awareness on social media, using hashtags like #NoSmokingDay2024, #QuitForGood or #Smoke-free.

Other ways to get involved include:

  • Committing to quitting – If you are a smoker, you can view this day as the starting point for your journey to quitting or reducing the amount that you smoke or vape.
  • Share your story – If you have already quit, sharing your story online or in person might inspire others to do the same.
  • Support your friends, family and co-workers – If you know someone who is trying to quit, encourage them and offer to be a support system for them.

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According to data from the Centers for Disease Control (CDC), some of the main benefits for quitting smoking are:

  • Reduces the risk of death due to cardiovascular disease
  • Reduces lung inflammation
  • Improves cholesterol levels (high-density lipoprotein cholesterol)
  • Enhances health and quality of life
  • Can add as many as 10 years to your life expectancy
  • Can benefit people already diagnosed with conditions like heart disease or COPD
  • Helps you to save money and reduces financial costs on health services
  • Lowers the risk of 12 types of cancer
  • People of any age can benefit from quitting smoking

In the UK, the NHS offers various free services to help people quit smoking. You can download the free Quit Smoking App on the Apple App Store or Google Play Store for online support. If you would prefer to speak to someone on the phone, you can call the National Smoke-free Helpline to talk to a trained expert. The expert that you speak to can offer advice and support and may direct you to local stop smoking support groups.

Telephone 0300 123 1044 (England only)

The NHS website has also released a timeline which explains the benefits of quitting smoking over time.

Benefits of quitting smoking over time

  • After 20 minutes smoke-free – Your pulse rate will decrease
  • After 8 hours smoke-free – The level of carbon monoxide in your blood will be reduced by half
  • After 48 hours smoke-free – All the carbon monoxide that was in your body will have been flushed out. Your sense of taste and smell will be improving.
  • After 72 hours smoke-free – You will be able to breath more easily and your energy levels will be higher
  • After 2 – 12 weeks smoke-free – Your circulation will have significantly improved
  • After 3 – 9 months smoke-free – Your lung function will have increased by as much as 10% and coughs, wheezing and breathing problems will have improved
  • After 1 year smoke-free – Your risk of heart attack will have dropped by 50%
  • After 10 years smoke-free – Your risk of death due to lung cancer will have reduced by 50%

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The NHS recommends various stop smoking aids which can help you to be more successful when trying to quit smoking. Their main suggestions are nicotine replacement therapies (nicotine patches, gum etc.), nicotine vapes, and prescription only medications (where necessary).

Each of these aids aim to help reduce nicotine withdrawal symptoms that can occur after you stop smoking.

What are the side effects of quitting smoking?

The Centers for Disease Control have listed the 7 most common side effects of quitting smoking are:

  • Nicotine cravings (you can distract yourself from these or use nicotine replacement products rather than cigarettes)
  • Being irritable or upset
  • Feeling restless or jumpy
  • Difficulty concentrating
  • Trouble with sleeping
  • Increased hunger or weight gain
  • Increased feelings of anxiety or depression

These symptoms should be temporary, but if they aren’t or you are worried about them, you should speak to your doctor or GP.

When did the UK go smoke-free?

In July 2007, the UK banned smoking within almost all enclosed public spaces, such as shops, pubs, restaurants, and workplaces.

The UK government also released a statement in 2023, which stated that they aimed England to be ‘smoke-free’ by 2030. This will be achieved when less than 5% of the adult population are smokers.


What is the new smoking ban in the UK?

In January 2024, the UK government announced their aim for a smoke-free generation. To do this they will be bringing in laws, which mean that anyone born on or after 1st January 2009 will never be able to legally buy tobacco.

This law will come into effect from 1st January 2027 and will work alongside other laws that aim to reduce the number of young people who use vapes.


What does smoking do to you?

Smoking is known to lead to many health complications and can have a significant impact on your overall health and lifestyle. This can happen whether you start smoking cigarettes yourself, or through long term exposure to second hand smoke.

According to the NHS, 7 out of 10 cases of lung cancer are caused by smoking. Tobacco smoke can also cause other forms of cancer including stomach, bladder, and bowel cancer. You will also be at increased risk for other medical conditions like heart attacks, stroke, and heart disease.

Smoking is also known to cause reduced fertility in both men and women.

Buying life insurance for smokers is definitely possible, and there are a range of great options available for people who currently smoke or who have smoked in the past.

Life insurance can be more expensive for smokers though, so many people choose to cut back or quit smoking before they apply to reduce the cost. If you smoke and are interested in life insurance, it can be helpful to get some free advice from a specialist in life insurance for smokers.

You can speak to our insurance experts on 0800 009 6559 or CLICK HERE to fill in our online form.

International Epilepsy Day 2024

International Epilepsy Day 2024

Every year on the second Monday of February, International Epilepsy Day is celebrated to show support for people all over the world who are living with epilepsy. This day provides an opportunity for people with epilepsy to share their experiences and advocate for the best possible outcomes.

Approximately 65 million people around the world have epilepsy, with 600,000 of those cases being reported in the UK. An epilepsy diagnosis can have a big impact on your life but having the right support can make a massive difference. There are many brilliant epilepsy charities in the UK including Epilepsy Action UK, Epilepsy Society and Young Epilepsy.

There are also resources available to help people with epilepsy protect themselves and their families financially. Epilepsy life insurance policies can provide financial support for your loved ones in the event of your death, whether this is due to epilepsy or another cause.

It can be harder to find the right life insurance policy and fair pricing if you have epilepsy. This is why it is crucial to speak with an epilepsy life insurance specialist who can provide expert advice and guidance for free.

A picture of a stopwatch

60-Second Summary – International Epilepsy Day 2024

International Epilepsy Day happens on the second Monday of February, aiming to raise awareness and support for individuals worldwide who are living with epilepsy.

  • Epilepsy is a serious medical condition which can have a huge impact on a person’s life. Epilepsy causes frequent seizures and the types of seizures experienced can vary from person to person.
  • If someone you care about has epilepsy, it can be useful to understand what they are going through and what you should do if they experience a seizure. You can find resources about this from various sources online including the NHS and British Red Cross.
  • On International Epilepsy Day, you can easily show your support by using the hashtag #EpilepsyDay on social media sites like Facebook or Instagram or by donating to an epilepsy charity.
  • If you have epilepsy, life insurance can provide financial security to protect your family or mortgage. The best way to find a fair price for life insurance with epilepsy is by speaking to a medical life insurance expert.

Epilepsy is a neurological condition which can cause frequent seizures and is often a lifelong condition. Epilepsy is most commonly diagnosed in children or people over 60, but can happen at any age. The condition can sometimes develop as a side effect of other conditions such as a stroke or brain tumour.

The most common symptoms of epilepsy include uncontrollable jerking and shaking (known as an epileptic fit), stiffness, loss of awareness, collapsing, and strange sensations such as tingling.

Epilepsy symptoms and their severity can vary from person to person and there are various treatments available to help control seizures.  Seizures can occur in any part of the brain, though they often occur in the frontal lobe in children.

This video by UK charity Epilepsy Action explains more about what epilepsy is and its impact.

What is epilepsy?

International Epilepsy Day is a global event that was first established in 2015 by the International Bureau for Epilepsy (IBE) in partnership with the International League Against Epilepsy (ILAE).

The goal of International Epilepsy Day is to raise awareness, reduce stigma and provide support to those diagnosed with epilepsy.

This day is an opportunity for people across the World to come together and encourage better access to treatment and support for people with epilepsy. You can get involved whether you are a charity, healthcare professional or simply anyone who wants to help make a difference.

The founders and managing directors of iam|INSURED unfortunately lost a close friend to epilepsy a few years ago. As a result, our experts are highly aware of how serious epilepsy can be and are committed to providing the best resources for those affected.

International Epilepsy Day is held on the second Monday of February each year and is a chance to advocate for the best treatment and outcomes for people with epilepsy. There are many ways to get involved including:

  • Posting on social media with the hashtag #EpilepsyDay to show your
  • You can also share a more personal message using the hashtag #MyEpilepsyJourney to explain your own experiences of living with epilepsy
  • Share important resources (in person or online) such as information about how to help if someone experiences a seizure
  • Donate to or fundraise for an epilepsy charity of your choice – there are many great ones to choose from

Is February 13th Epilepsy Day?

While February 13th was International Epilepsy Day last year, this year the celebrations are occurring on the 12th.  The date of International Epilepsy Day changes annually, as it occurs on the second Monday of February instead of a fixed date.

There are many ways you can support a loved one or friend who has been diagnosed with epilepsy. This can be as simple as being there for them and allowing them to talk to you openly about their experiences.

It can be useful to be aware of what you should do if they have a seizure, to ensure they are as safe as possible. This video from the British Red Cross shows a demonstration of what you should do including the steps for during and after a seizure.

How to help someone who is having a seizure (epileptic fit) #FirstAid #PowerOfKindness

There are also different types of seizures which means not everyone with epilepsy will experience seizures in the same way. If someone close to you has epilepsy, you may want to find out what type of seizures they experience so you can recognise any warning signs.

The main types of epileptic seizures are:

  • Simple partial seizure (focal seizure or ‘auras’) – These can often occur before another type of seizure and can cause symptoms like an unusual smell or taste, tingling in arms and legs and stiffness or twitching in one body part.
  • Complex partial seizureThe person loses their sense of awareness and makes random body movements (e.g. moving their arms). They will be unresponsive and won’t remember what they were doing afterwards.
  • Tonic-clonic seizureThese used to be known as ‘grand mal’ seizures and are the most well known form of epileptic fit. The person will lose consciousness and will become stiff and their limbs will jerk about.
  • Absence seizures These used to be known as ‘petit mal’ seizures and they cause the person to lose awareness of their surroundings. The person will often stare blankly as if they are daydreaming and may flutter their eyes and make small jerking movements.

Other types of seizures include clonic seizures, tonic seizures, and atonic seizures. All types of epileptic seizure and their symptoms are fully explained on the NHS website: NHS – Epilepsy (symptoms)

Can people with epilepsy live a normal life?

It’s definitely possible for people with epilepsy to live normal and happy lives. The right treatments can help to control seizures, to minimise their impact on your lifestyle.

It can also be useful to understand any triggers for your seizures so you can avoid them. Possible triggers for epileptic seizures include stress, tiredness, alcohol, drugs, periods or flashing lights.


Can epilepsy go away?

While epilepsy is often a lifelong diagnosis, in some cases symptoms can get better over time or even stop completely.

Epilepsy Society describes this as symptoms going into ‘spontaneous remission’ depending on the underlying cause of the epilepsy. You may then be able to gradually stop any treatment, with the support of a specialist.

Epilepsy Society – Just diagnosed


Does epilepsy get worse with age?

Epilepsy symptoms can get worse as you get older, but this won’t be the case for every person who has epilepsy. If you feel like your seizures are becoming more frequent, you should discuss this with your doctor.

In some cases, epilepsy symptoms can get better with age rather than worse and more epilepsy treatments may be developed in the future.

Getting life insurance is the best and easiest way for someone with epilepsy to ensure their loved ones are taken care of in the event of their death. Policies are more available now than they were previously, but it can still be useful to speak to a medical life insurance specialist.

Some insurers will be more suitable than others for people with epilepsy and an expert will be able to find the best policies and prices for you.

Does life insurance cover seizures?

If you were to die due to a seizure caused by epilepsy, your insurance provider will pay out a cash lump sum. This money can be used by your loved ones to cover key expenses like funeral costs or mortgage repayments. A life insurance pay out can provide financial support to families during an already difficult time to make things easier.

The only reason that your life insurance policy may not pay out for seizures is if you knew you had epilepsy when you applied and didn’t disclose this on your application.

Is epilepsy classed as a critical illness?

Critical illness insurance is a useful policy which will pay out a cash lump sum on diagnosis of a serious or ‘critical’ medical condition. The condition would need to be covered within the terms of your policy for a valid claim and what is covered can vary between insurance providers.

Epilepsy is not usually considered a critical illness by most insurance providers, but you should check your policy documents to be certain. It can still be possible to buy critical illness cover if you have epilepsy, which would protect you if you were diagnosed with other serious conditions.

The fastest way to find the right life insurance policy and provider for epilepsy is by speaking to a medical life insurance expert. Our team can compare the best prices across the market to make sure you never pay more than you need to.

For free, friendly life insurance advice, you can talk to our experts on 0800 009 6559 or by clicking here.

National HIV Testing Week 2024

National HIV Testing Week 2024 – HIV Life Insurance

Top UK HIV charities including Terrence Higgins Trust, National AIDS Trust and Elton John AIDS Foundation are working hard towards a goal of zero new HIV cases diagnosed by 2030. However, there are still thousands of people in the UK currently living with HIV and around 1 in 16 don’t know they have the virus*.

National HIV Testing Week happens in the UK on the first week of February every year. During this week, anyone in England aged 16 or over can order a completely free HIV test.

The only way to know for certain whether you have HIV is to be tested, which then allows you to get the correct treatment. With proper treatment and early intervention, people with HIV can live full and healthy lives. The virus can also become undetectable, which means it can’t be passed on to other people.

If you are living with HIV, you may worry that financial protection for your family or home won’t be available or will cost far too much. With the help of a HIV life insurance specialist it is possible to find suitable and affordable life cover to protect the people you care about the most.

*According to HIV statistics published by National AIDS Trust

A picture of a stopwatch

60-Second Summary – National HIV Testing Week 2024

National HIV Testing Week is a campaign in the UK aimed at raising awareness about HIV testing, with the goal of zero new HIV cases by 2030.

  • During National HIV Testing Week, individuals aged 16 or older can order free HIV tests to encourage early diagnosis and access to treatment.
  • Routine HIV tests can help detect the virus early, ensuring successful treatment and less cases of HIV transmission in the UK.
  • If you have HIV and are worried about how this affects life insurance, you can get free advice from a HIV life insurance specialist. Affordable cover can be available for people with HIV, provided they speak to the right insurance companies.

 National HIV Testing Week is a week used by HIV charities in the UK to spread awareness of the importance of HIV testing. While people can live full and health lives now with HIV, early diagnosis and intervention are key.

Though most people who take a HIV test will be negative, those who are HIV positive will have access to free help and support. This can be through the NHS or through HIV charities and support groups.

This video from It Starts with Me (partnered with Terrence Higgins Trust) explains more about National HIV Testing Week and the importance of HIV tests.

I Test – National HIV Testing Week

National HIV Testing Week 2024 is taking place from Monday 5th February to Sunday 11th February. This year marks the 10th anniversary of National HIV Testing Week and HIV and AIDs charities are highlighting how important it still is to be testing for HIV.

You can live for months or years with no HIV symptoms, and the sooner you are diagnosed the better as you can begin treatment. If you believe you may have been exposed to HIV, it’s important to get tested as soon as possible. Many people are also totally unaware that they have been exposed to HIV which is why routine testing can also be beneficial.

There are multiple ways to become infected with HIV including:

  • Sexual contact
  • Use of injected drugs
  • Unsterilised tattoo or piercing needles
  • Contact with infected blood
  • Vertical transmission (passed from mother to child during pregnancy)

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There are various places in the UK where you can receive a HIV test including:

  • Sexual health clinics
  • Clinics run by charities like Terrence Higgins Trust
  • Certain GP surgeries
  • Private health clinics
  • Antenatal clinics (for pregnant patients)
  • Some young peoples clinics or contraception clinics

Most of the time these tests will be completely free. You can also order a HIV test online to self-test which will either:

  • Be a home test where you can see the results yourself within minutes
  • You post your test sample to a lab who then contacts you with the results

You can use the Terrence Higgins Trust ‘Free online test finder’ to see where you can get a free test in your local area: Free HIV Online Test Finder

During National HIV Testing Week, you can order a free NHS HIV test kit here: Free Testing.HIV website

HIV tests in the UK are generally very accurate, with false positive results only occurring in less than 1 in 1,000 cases.

The most accurate form of HIV test will be a blood test, but will only show positive results one month or longer after infection. Certain tests may need to be repeated over the course of several months to ensure a negative result is definitely accurate.

If you think you have been exposed to HIV, you should contact a doctor or health professional who can prescribe emergency HIV medication. Post-exposure prophylaxis (PEP) may be able to prevent a HIV infection if it is taken within 72 hours of exposure to HIV.

Source: NHS – Diagnosis of HIV and AIDS

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If your doctor or GP orders a blood test for a specific reason, they may not be looking for or testing for HIV. However, many UK Accident & Emergency departments will now use a routine blood screening called a blood borne virus (BBV) test which can identify undiagnosed HIV or Hepatitis B/Hepatitis C.

This can be a lifesaving event for many people who aren’t aware that they have HIV or Hepatitis and can then be diagnosed the correct treatment.

An NHS blog tells the story of Anne, who was diagnosed with HIV in her 50s after a visit to A&E. She had been in a committed relationship for 10 years, never used drugs and it was believed she may have contracted HIV through an unsterilised tattoo needle.

Though she had felt generally unwell, it had never occurred to her that she may have HIV and this helps to highlight just how important HIV testing is.

Is the 6 month HIV window period outdated?

The ‘window period’ refers to the amount of time between being infected with HIV and a test displaying a positive result. It is possible to have HIV during this period that is infectious while still testing negative for HIV.

In the UK, it’s recommended that the window period for HIV testing is 6 weeks and by this time 99% of infections should be able to be detected.

Source: i-Base – What is the window period for an HIV test?


How accurate is the HIV test at 4 weeks?

It can take time for antibodies to develop which would indicate that HIV is present in your body. Though some HIV tests will show up positive at 4 weeks after infection, not all will.

You can test for HIV after 4 weeks, but this will only detect 95% of HIV infections. If you test negative at 4 weeks, it is still advised to test again regularly until the 6 month ‘window period’ is over.


Can you have HIV for 20 years and not know?

Many people can live with HIV for years and be unaware, especially as there may be no symptoms or minimal symptoms to begin with. Some symptoms of HIV such as tiredness or diarrhoea may be misdiagnosed or brushed off.

This can make it entirely possible to live for 10 years or more without realising you have HIV.


Does a HIV test affect life insurance?

If you apply for life insurance, some insurance providers might want you to take a HIV test if they think you have a high risk for HIV. This can be for reasons like travelling or living abroad, history of drug use or even your occupation (e.g. if you are a medical professional).

This isn’t something to worry about and a negative result won’t have any affect on your life insurance options. A positive result may affect the prices and cover types available to you which is where it can be helpful to speak to a medical life insurance expert for advice.

Having HIV doesn’t need to stop you from buying life insurance to protect your mortgage or family. Underwriting for HIV life insurance has improved meaning that it’s possible to get suitable cover at a fair price.

The key is to make sure you are speaking to an experienced specialist who understands how HIV affects life insurance and which insurers will be the best options for you. If you need free and friendly advice about HIV and life insurance, you can call our experts on 0800 009 6559 or click here.

World Cancer Day 2024

World Cancer Day 2024 – Cancer Life Insurance Guide

World Cancer Day takes place on the 4th of February every year and is intended to raise international awareness of cancer education and support that is needed globally. This awareness day was established by the Union for International Cancer Control (UICC).

Since 2022, the theme of World Cancer Day has been to ‘Close the Care Gap’ for cancer patients, survivors and their families. This is an ongoing campaign to make life saving resources and treatment available to people throughout the World, no matter their circumstances or background.

If you have had cancer in the past, it’s easy to assume that you won’t be able to get life insurance or it will be too expensive. This often isn’t true, and you should speak to a cancer life insurance expert for advice about what options are available to protect your loved ones financially.

A picture of a stopwatch

60-Second Summary – World Cancer Day 2024

World Cancer Day is celebrated globally on February 4th each year to raise international awareness about cancer education and support. It was established by the Union for International Cancer Control (UICC) in 2000.

  • The theme for World Cancer Day since 2022 is ‘Close the Care Gap,’ focusing on providing life-saving resources and treatment for cancer patients, survivors, and their families worldwide.
  • Ways to get involved in World Cancer Day 2024 include fundraising or donating to cancer charities, sharing information on social media to encourage early diagnosis, and advocating for better cancer services by contacting local politicians.
  • Various support services are available for cancer patients in the UK, including NHS services and a wide range of amazing charities.
  • We are proud partners with the Pink Ribbon Foundation, helping to provide information and resources about insurance for those affected by breast cancer including current patients, survivors and their families.

World Cancer Day has been taking place globally since the year 2000 and always happens on February 4th. Cancer charities across the World use this day as an opportunity to raise even more awareness of cancer, to promote higher rates for early diagnosis and better treatment outcomes.

Why is February 4th World Cancer Day?

World Cancer Day is held on February 4th every year as it was initially founded at the World Summit Against Cancer in 2000, which took place on February 4th. Ever since then, this awareness day has grown bigger and bigger, with more outreach, exposure and campaigning across the globe.

This video below explains more about the current ‘Close the Care Gap’ campaign that is being run by the UICC and the importance of working together to make a difference.

World Cancer Day 2024 – Campaign Video

There are many different ways to get involved and support World Cancer Day 2024. This includes things like:

  • Fundraising for or donating to any of the amazing cancer charities operating in the UK
  • Sharing resources and information about cancer symptoms on social media sites like Facebook, Instagram or TikTok to encourage early diagnosis
  • ‘Advocate for action’ by writing to a local politician to ask them to commit to better cancer services and support in your area.

There are even more great suggestions for how to get involved on the World Cancer Day website which you can read here: Close the Care Gap Campaign

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Living with a cancer diagnosis can be extremely tough and it can also be hard for the people you care about most. There are various support services available in the UK which can offer resources and information about living with cancer – or even just a friendly and impartial person to talk to about how you are feeling.

This includes NHS cancer services as well as top UK charities like Macmillan Cancer Support, Cancer Research UK and our current charity partner the Pink Ribbon Foundation.

Iam|INSURED works in partnership with leading UK breast cancer charity the Pink Ribbon Foundation, helping to offer information and resources about insurance before, during and after breast cancer.

We take immense pride in our partnership with this incredible organisation who work hard to support people with breast cancer throughout the UK. They operate by granting trusts to other charities to help support them with all of the wonderful work that they do.

By supporting Pink Ribbon Foundation, this also lends support to the hundreds of charities and organisations who receive their grants each and every year.

Pink Ribbon Foundation logo

Pink Ribbon Foundation

Telephone – 01689 858877
Email – enquiries@pinkribbonfoundation.org.uk
Website – PinkRibbonFoundation.org.uk

About the Pink Ribbon Foundation

The Pink Ribbon Foundation is a grant making trust with a mission to fund projects and provide financial support to UK charities which relieve the need of people suffering from, have been affected by breast cancer or who work to advance the understanding of breast cancer and it’s early detection and treatment.

There are a large number of such charities in the UK, each as deserving as the next. Many of the charities supported are the smaller ones which operate on a shoestring.

Follow Pink Ribbon Foundation on social media:

Facebook – @PinkRibbonFoundation

Instagram – @PinkRibbonFoundation

If you were to die due to cancer and you already have a life insurance policy, your insurance provider should pay out a cash lump sum to your loved ones. This is because standard life insurance won’t exclude pre-existing conditions as a reason to claim, as long as you were honest about your medical history when you applied.

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If you’ve received a cancer diagnosis, standard life insurance policies won’t usually be available to you, but there are often alternatives which can provide much needed financial protection for your loved ones.

If you have recovered from cancer or have a family history of cancer, this can also make applying for life insurance feel daunting or too difficult. In situations like this, it’s always best to speak to a medical life insurance expert and we have more information available in our full Life Insurance with Cancer Guide 2024.

Getting life insurance after cancer doesn’t have to be overly expensive and with the right guidance, you can get affordable and suitable cover to protect your family and your home.

For free and friendly life insurance advice, you can call our experts on 0800 009 6559 or click here.

HSBC Life launches new rules for mental health life insurance

HSBC Life launches new rules for mental health life insurance

In a huge step forward for the life insurance industry, UK provider HSBC Life has just announced significant changes to their mental health underwriting process. These changes will make it far easier for people with a history of serious mental health issues and suicidal thoughts to get life insurance at a fair and affordable price.

This is a breakthrough moment in life insurance and one that will be welcomed by both brokers and consumers throughout the country. As of February 1st 2024, the opportunities to get mental health life cover with HSBC Life will expand, with no need for extra steps such as GP reports.

Mental health conditions are extremely common in the UK and shouldn’t prevent you from getting the financial protection needed to protect your home or family. There can be extra considerations when applying for these policies though, so it’s usually worth getting some additional advice and support from a mental health life insurance expert.

A picture of a stopwatch

60-Second Summary – HSBC Life launches new rules for mental health life insurance

HSBC Life has announced significant changes to their mental health underwriting process, making it easier for individuals with a history of mental health issues and suicidal thoughts to access fair and affordable life insurance policies.

  • HSBC Life will implement these changes from February 1st 2024, making it simpler and more affordable to buy life insurance with mental health conditions like depression, anxiety, stress etc.
  • These changes aim to address a lack of inclusivity in the insurance market currently, promoting fairer outcomes for thousands of UK life insurance applicants.
  • HSBC has so far seen positive results from tests of this new approach, with 70% of test applicants able to get cover without any price increases at all.
  • Pre-existing medical conditions can make it harder to find the right life insurance policies and HSBC Life might not be the best choice for every life insurance customer. It can be useful to speak to a mental health life insurance specialist for help with choosing the right life insurance provider.

HSBC Life are a mainstream life insurance provider in the UK, having provided life insurance in the UK since 1988. They are a familiar name for most UK households, with HSBC Bank being a staple on thousands of UK high streets for wealth and personal banking services.

HSBC Life operates as the insurance arm of the HSBC Group within the UK, which we explain further in our independent HSBC Life insurance review.

HSBC sell 3 types of term life insurance cover (level term, increasing or decreasing cover) for single and joint applicants. HSBC also sells other policies which are classed as life insurance products like critical illness insurance and income protection.

They are often among the lowest priced options on the life insurance market, which can be especially helpful for people who have a tighter budget. Their policies also include additional perks including free terminal illness cover, online GP service and guaranteed insurability so you can increase cover after key life events (e.g. getting married).

The video below from the HSBC UK Youtube channel explains more about the policy options available from HSBC Life and how they work.

https://www.youtube.com/watch?v=SGIuO4kBoFM&list=PLRz9ao70iRy0GAIOl0lavGjZA4RfCCl2-&index=5
Your guide to Life Insurance and Types of Life Cover | Insurance & Protection Products | HSBC UK

HSBC Life have announced new digital guidelines for discloing mental health conditions during applicants for life insurance and critical illness cover as of February 1st 2024. These changes make it possible for applicants to get standard terms for life insurance without dealing with big price increases or medical reports.

HSBC have recognised the need to provide better options for people with historical mental health issues and thoughts of self harm or suicide. The aim of these adjustments to their underwriting processes is to make it easier for these customers to access the financial protection they need and deserve.

Initial assessment of these new guidelines has shown that 10% more applicants will disclose mental health conditions during their initial application and 70% will be able to receive standard cover with no increase in cost.

How do these changes help UK life insurance customers?

With most people in the UK experiencing some form of mental health problem in their lifetime, HSBC is offering a route to cover that is simpler and easier than ever before. Mental illness isn’t something we should be ashamed of and insurers like HSBC making these changes opens the doors for other insurers to do the same.

Enhanced inclusivity from providers means better outcomes for thousands more customers in the UK, who simply want to protect their loved ones from financial difficulty in the future. Applying for life insurance with mental health conditions can be daunting and HSBC Life are offering options for long term cover without far higher premiums.

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How do I contact HSBC Life insurance UK?

If you need to speak to HSBC Life about a new or existing policy, you can contact them at the below details:

Telephone 0333 207 5563

Email support@lifeprotectionplan.hsbc.co.uk

Opening times – 9.00am – 5.30pm Monday to Friday (excludes Public Holidays)

Write to HSBC Customer Service:

Customer Services Centre HSBC Life (UK) Limited,
PO BOX 1053,
St Albans,
Hertfordshire,
AL1 9QG


Who is the CEO of HSBC Life?

Mark Hussein is the current Chief Executive Officer (CEO) for HSBC Life UK Ltd after being appointed in November 2015. This information is accurate as of February 2024 and could change in the future based on decisions made within HSBC Life UK.


What does HSBC Life cover?

HSBC life insurance will pay out in the event of your death to provide your loved ones with a substantial cash lump sum. These funds can be used to cover important costs that may otherwise be unaffordable such as mortgage repayments and funeral costs.

You can also buy policies like critical illness cover or income protection which protect you financially in different situations. Critical illness insurance from HSBC Life will pay out a set cash lump sum if you are diagnosed with one of 40 specified medical conditions to support you through recovery or lifestyle changes

HSBC income protection insurance is designed to pay out a set monthly income to help you cover your monthly expenses if you can’t work due to illness or injury.

HSBC Life insurance can be a good option for some customers in the UK, with a range of low cost and simple life insurance policies available.

Whether HSBC Life are the right choice for you will depend on your own situation and the type of life insurance you need. They offer a wide range of policies, so you need to think about what you want to protect and what policies may work best for you.

It’s normally a good idea to compare the policies and prices available from a few providers, to make sure you are 100% happy with the life insurance provider you choose.

Life insurance is the #1 way to provide your family with financial security in the event of your death, so it’s important to think carefully before making any decisions.

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Mental health life insurance rates will vary significantly between providers and while HSBC Life has relaxed underwriting rules, they may not be the best choice for every person. It’s helpful to compare quotes from multiple providers to ensure you get the right level of cover at the fairest price.

If you need life insurance and you have a history of mental health conditions, the easiest way to find the best and cheapest quotes is by speaking to an experienced medical life insurance specialist.

An expert will be able to quickly check prices across the market to see if HSBC or another provider can offer you the best value for money. To get free, independent mental health life insurance advice, you can call 0800 009 6559 or click here.

New and improved AIG income protection is launched

New and improved AIG income protection is launched

Top UK insurance provider AIG Life has just announced some big changes to their income protection insurance products. Their ‘YourLife Plan’ Income Protection has been streamlined, making it simpler and easier for customers to understand their policies.

There have also been significant improvements introduced such as a new income replacement guarantee and waiver of premium for up to 6 months unemployment. AIG income protection is now available to a wider range of customers including those over age 54, with options for both level and increasing cover.

All these additional options and feature help to set AIG income protection apart and make it a more appealing choice for employed and self-employed workers across the UK.

Income protection insurance is a useful policy offered by AIG Life and a wide range of other insurance providers, which offers financial protection if you can’t work due to your health. With so many options for income protection to choose from, it can be useful to get some advice from an income protection insurance specialist before making any decisions.

A picture of a stopwatch

60-Second Summary – New and improved AIG income protection is launched

After paying out on 90% of income protection claims in 2022, AIG has now further improved customer outcomes by making significant changes to their income protection insurance.

  • 71% of people found AIG’s new policy documents easy to read, 62% better understood when they can claim, and there was a 10% decrease in people who found the documents overly technical
  • Newly improved ‘replacement income ratio’ pays out a tax-free monthly sum to cover 60% of initial earnings (up to £60,000 per year) and 50% of anything above this
  • Other changes include policies now available for 54 – 59 year olds, waiver of premium options and redundancy cover for up to 6 months
  • If you need help deciding which income protection insurance policy and provider is best for you, you can get free advice from an income protection expert.

AIG’s YourLife income protection policies are designed to help protect you financially if you can’t work due to injury or illness. This includes common reasons for sickness absence such as stress, autoimmune disorders, diabetes and Crohn’s disease.

AIG Life has completely overhauled their income protection policies to include more popular features plus policy wording that is easier to understand. AIG has tested their new Key Facts document to ensure customers can fully understand how their policy works.

This led to changes including a full introduction page explaining the purpose of income protection insurance in general and inclusion of shorter and simpler to read sentences throughout. Based on the changes made:

  • 71% of customers found the document ‘easy to read’ (was 61% before changes were made)
  • 10% increase in people who felt clear about when they could and couldn’t claim (up to 62% from 52%)
  • 10% decrease in customers who found the policy document wording was ‘unnecessarily technical’ (down to 15% from 25%)

AIG Income Protection Insurance Key Facts Document – CLICK HERE

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The main new feature of AIG income protection is that it now provides a tax-free fixed monthly sum, covering 60% of the initial £60,000 of the your yearly salary and 50% of any amount beyond that.  AIG refers to this as ‘replacement income ratio’ and this applies for both long term income protection and short term income protection customers.

Incapacity definitions have also changed, meaning that whether you are ‘fit to work’ will now be based on your own occupation if you are a full time worker.

There have also been specific changes introduced to make income protection easier to access for both private and NHS dentists, doctors and surgeons. This includes the new ‘increased income guarantee’ which protects you if your income has decreased since buying your policy and the option for sabbatical break cover.

Other notable changes made by AIG Life include:

  • Stay at home carers can insure themselves for up to £20,000
  • Cover is available to buy between age 17 – 59 (previous maximum age was 54)
  • Level and increasing cover options now available so you can choose the one that feels right to you
  • Waiver of premium has been introduced which will pay your monthly premiums for you if you have been unemployed for up to 6 months
  • Covers you for up to £250,000 maximum with a minimum policy term of 5 years
  • You can now claim for redundancy (if you are made redundant for up to 6 months)
  • Claims may be paid out for people on a career break based on assessment of ability to complete usual work tasks
  • Reviewable exclusions can now be applied which makes policies more flexible
  • Brand new guaranteed insurability option allows customers to change their policy after big events such as birth of a child, adoption or marriage
  • Proportionate payment income top-up means that AIG will help cover the difference if you earn less once returning to work after sickness absence
Does income protection actually pay out?

Most income protection policies will pay out for sick leave due to illness or injury, if your claim meets the definitions set out in your policy documents. Many people believe insurers go out of their way to avoid paying out but this simply isn’t true.

AIG in particular paid out for 90% of income protection claims received in 2022.


Are income protection plans worth it?

Whether an income protection policy feels ‘worth it’ will be a matter of personal opinion. They can be incredibly useful though, and can help ensure that you and your family won’t struggle if you need time off work due to illness or injury.

Monthly payments from an income protection policy will usually be far higher than payments received from schemes like Statutory Sick Pay. This can help with your usual monthly expenses and means minimal disruption to the lifestyle you and your family are used to.


How much does income protection cost UK?

Based on our latest research, the average cost of an income protection insurance policy in the UK can range from anywhere between £12 – £135 based on age, medical conditions, occupation and other factors.

The easiest way to find a suitable and affordable price for income protection insurance is by speaking to an income protection insurance expert.


What does income protection insurance cover?

Income protection insurance covers you in the event that you need time off work due to illness or injury. There are several types of income protection insurance policy available which are:

  • Short term income protection: Pays out for 12 or 24 months at most, to protect you financially for shorter periods of long term sickness absence
  • Long term income protection: A more comprehensive policy which can pay out either until the policy ends or you retire if needed.
  • Personal accident insurance: Personal accident insurance is a lower cost policy which pays out a cash lump sum if you are injured accidentally and pays out for things like broken bones and hospitalisation
  • Guaranteed sick pay: A cheaper alternative which will pay out a guaranteed income for 6 months at most if you cannot work because of your health

AIG Life is one of the UK’s biggest insurance providers and is a popular choice for income protection among UK consumers.

As well as all the newly introduced and improved income protection features, AIG customers have access to various member benefits. You will have access to rehabilitation and wellbeing support to get you back into work, as well as the AIG ‘SmartHealth’ app which can be downloaded from the Apple Store or Google Play Store. AIG SmartHealth allows you to access 24/7 online GP services, nutrition advice and much more, plus it is available to use for your entire family.

While AIG Life policies do offer attractive benefits and features, you should always think carefully about your own situation and if they feel like the right provider for you.

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The simplest way to buy an income protection policy is with the help of an independent insurance specialist.

Our team of income protection experts can quickly and easily compare the best AIG income protection insurance policies to save you time and money. We will also look at the best offers from other providers to ensure you get the right level of cover and lowest price for your policy.

For free advice about your cover, you can speak to one of our experts on 0800 009 6559 or  click here.

Parent Mental Health Day 2024

Parent Mental Health Day 2024

Mental health issues can affect literally anyone and UK charity stem4’s most recent survey has revealed that 8 in 10 (82%) of parents feel overwhelmed, leading to further feelings of loneliness and isolation.

Parent Mental Health Day (PMHD) was originally created by stem4, to help build understanding around the mental health challenges faced by parents throughout the World.

While looking after your children’s mental wellbeing is important, it is just as important to take care of yourself too.

It can be difficult to admit that you are having a hard time with your mental health due to concerns about possible stigma or judgement. Parents will often avoid asking for help because they are afraid that they will be viewed as ‘bad parents’, simply because they need a little extra support.

The aim of this awareness day is to inspire parents and their families, friends and employers to work together to promote positive change and normalise having open conversations around parental mental health. Mental health issues aren’t anything to be ashamed of and there are many wonderful organisations in the UK who work hard to offer their support.

A picture of a stopwatch

60-Second Summary – Parent Mental Health Day 2024

Parent Mental Health Day 2024 was created by stem4 and aims to raise awareness about the mental health challenges faced by parents globally. PMHD emphasises the importance of self-care for parents, encouraging open conversations and support to combat stigma around mental health.

  • Stem4’s recent survey highlights that 82% of parents feel overwhelmed, leading to increased feelings of loneliness and isolation.
  • Various other UK mental health charities, including Mind, Mental Health UK, and Chasing the Stigma, provide resources and support that can be helpful for both parents and children.
  • Simple ways to better support your mental health and wellbeing as a parent include building a support network, engaging in self-care, and confiding in someone you trust about any negative feelings or worries.
  • You might worry that policies like life insurance won’t be available if you have experienced mental health issues, but this usually isn’t the case. If you need help finding cover to protect your family, you can get completely free advice from a life insurance expert.

Parent Mental Health Day takes place on the 26th of January each year and promotes awareness around better support for parent’s mental health and wellbeing. Parent Mental Health Day is a more recently established awareness day in the UK, only being celebrated and promoted within the last couple of years.

This day is a good opportunity to focus on your mental health and how to look after your own mental wellbeing as well as your family’s. Parent mental health can have a big impact on family relationships and it’s important to ensure we look after ourselves as much as our children.

Demonstrating good communication around mental health and how you feel can encourage your children to share their thoughts and feelings with you too

Some of the main reasons why a parent may face stress, anxiety or other mental health concerns include:

  • Coping with parenting challenges
  • Burnout from work and other outside sources
  • Worries about money or debts
  • Concerns about an unwell family member or friend
  • Other pre-existing conditions that you may have

Who are Stem4?

stem4 logo

Stem4 are a UK mental health charity that mainly focuses on supporting teenagers and young adults with their mental health concerns and questions. They are the founders of both Parent Mental Health Day and Youth Mental Health Day.

Stem4 works to provide mental health resources and information to young people, as well as their parents/caregivers, teachers, nurses and GPs.

They mostly focus on digital resources which can be accessed through their website and they actively promote better mental health education and early intervention for mental health issues.

If you are a parent that has been diagnosed with a mental health condition, this can be upsetting or worrying. However, it definitely doesn’t mean that you aren’t a good parent and it’s important to remember this.

It can be helpful to build a trusted support network (e.g. close friends or family) that you can speak to about how you are feeling. You can also do small things to help keep yourself in a positive mindset such as taking a few minutes to read a book you enjoy or taking a walk outside.

If you would prefer to speak to someone impartial, many charities such as Mind and Mental Health UK provide services where you can speak to someone about your feelings.

Mind has a helpful guide to Parenting with Mental Health Conditions which offers further tips and advice that you may find useful.

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Stem4 and various other mental health charities provide useful resources that help encourage open discussions for parents to share how they feel. There are also specific charities that you can contact if you are worried about your child’s mental health such as YoungMinds.

Some of the other top UK mental health charities that can offer support include:

Mind

Mind is one of the UK's biggest and best known mental health charities and they work hard to empower and support anyone with mental health issues or questions. Mind help to provide various support services and many informative online guides and resources.

Mind has been established for over 60 years and has provided services to millions of people through over 1000+ local support services in England and Wales.

Contact details

Telephone0300 123 3393
Email
- info@mind.org.uk

Mental Health UK

Mental Health UK has been supporting the mental health of people across the UK for more than 50 years. They deliver services both locally and nationally to empower people with the information they need to take care of their mental wellbeing.

They work to combat and raise awareness of the root causes of mental health issues and give people the necessary resources to enhance their well-being in their home, academic, and professional environments.

There are 4 organisations that merged to form Mental Health UK which are Rethink Mental Illness (England), Adferiad (Wales), Change Mental Health (Scotland) and Mind Wise (Northern Ireland).

Contact details

Telephone (England) - 0121 522 7007
Telephone (Wales) - 01792 816 600/832 400
Telephone (Scotland) - 0131 662 4359
Telephone (Northern Ireland) - 0289 040 2323
Email - info@mentalhealth-uk.org

How does parent mental health affect children?

Mental Health Foundation published their own Parenting and Mental Health guide which states that many children whose parent(s) have a mental health won’t experience negative effects.

However, in some situations they may be worried about their Mum or Dad and experience troubles of their own. As explained in the Mental Health Foundation guide, some ways you can help your child include:

  • Make sure to communicate clearly with them (in an age-appropriate way), so they understand how you’re feeling and why
  • Suggest another trusted adult that they could speak to about how they are feeling if they don’t want to talk to you (e.g. a close relative, teacher, counsellor)
  • Properly explain what will happen if they needed to visit you as an inpatient for example, so they know what to expect

What are common mental health issues in parents?

According to figures published by Mind, 1 in 6 people in the UK experience a common mental health issue like anxiety, stress or depression each week.

In some cases, parents can be diagnosed with other conditions like bipolar, PTSD, OCD or schizophrenia. No matter what condition you have been diagnosed with, you can still be a great parent.

You may just need some extra help and support at times, which is perfectly reasonable and not something to be ashamed of.


Buying life insurance is the easiest and cheapest way to provide long lasting financial security for your family. If you have a pre-existing medical condition (mental or physical), you might worry that life insurance will be unavailable to you or too expensive.

Many of the UK’s top life insurance providers will offer some level of cover for mental health and it can often be cheaper than you expect. In some cases, you may need to speak to a specialist provider to get the right level of cover, which is why it can be useful to speak to an expert.

A mental health life insurance specialist can help you to identify which insurers are most likely to approve your application and which will offer the best prices. If you need help with finding the right life cover to protect your family, you can speak to our experts on 0800 009 6559 or click here.

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Other useful guides

Below are links to some of our top life insurance guides which explain more about how life insurance works and how to find the best policies and prices.

Life insurance and Mental Health

Life insurance for Mums

Life insurance for Dads

Life insurance for Parents