We have found that many of our clients with borderline personality disorder, have been grateful when they were diagnosed, as they finally had an answer as to why they have felt the way that they do. Our advisers take the time to listen to your experience and your story, to learn about you, and then find an insurer that matches you.
Things we need to know:
Life Insurance applications for people with borderline personality disorder will often need to be supported by a report from your GP. The insurer will ask your GP about your general health, medications and treatment that are in use, and how the condition affects you on a regular basis. The insurer will want to know if you have self-harmed or have a history of suicide attempts. These reports are arranged by the insurer at their own expense, once your application is with them.
People with mild symptoms of borderline personality disorder, may find that Life Insurance is available at normal rates. If the borderline personality disorder causes significant impacts to your health and/or there is a history of recent suicide attempts, it is possible that standard insurers may choose to offer a higher premium, postpone the offer of cover for a number of years, or decline the application. Should the latter be the case, we can arrange your Life Insurance with specialist insurers so please don't worry.
As with Life Insurance, an application for Critical Illness Cover when you have borderline personality disorder will need to detail the severity of your symptoms, medications and treatments that are in use, any secondary conditions that are present, and if you have ever attempted suicide. A report from your GP will be used by the insurer to establish the terms that you will be offered for Critical Illness Cover. It is likely that your Critical Illness Cover will come with an exclusion for claims related to the borderline personality disorder, under the claim definition Total Permanent Disability. This should not deter you from the significant benefits that are available through the rest of the contract; typically a minimum of 50 claimable illnesses.
You should place your Critical Illness application with an insurance provider who offers the most favourable terms to those with borderline personality disorder. Where the borderline personality disorder is classed as severe and/or there have been suicide attempts, standard insurers may choose to decline the Critical Illness application. Again, there are specialist insurers that we can use to arrange Critical Illness Cover for you.
Income Protection for people with borderline personality disorder will often be reviewed on a case by case basis. The insurer will be particularly interested in whether or not having the borderline personality disorder, has caused you to have time off work. A GP report will help the insurer to decide if they can offer you Income Protection cover. Where Income Protection is available, it will typically be at non-standard terms, involving an exclusion for any claim related to the borderline personality disorder. Where the condition is classed as more severe the insurer may choose to decline the cover. There are some specialist Income Protection policies that you may be able to arrange that would not exclude claims related to the borderline personality disorder, but the acceptance criteria is quite strict.
If you find that you are declined cover for Income Protection it could be worthwhile considering Accident, Sickness and Unemployment Cover. Accident, Sickness and Unemployment cover is not medically underwritten, meaning that your borderline personality disorder will have no impact upon the premium or acceptance terms of the policy; whilst this is the case the policy will exclude any claims relating to your condition. An Accident, Sickness and Unemployment policy will provide between 12 and 24 months of income protection should you be unable to work due to long-term disability, injury or involuntary redundancy.
Do you need travel insurance? It is important that you know what the travel insurance covers you for when it comes to the borderline personality disorder. Please visit our dedicated travel insurance here.
What is Borderline Personality Disorder
Borderline personality disorder is a condition that affects a persons mood and their ability to interact with those around them. A person with borderline personality disorder may find that they experience intense periods of negative emotions and struggle to overcome changed perceptions/beliefs in the world around them. There is no specific cause for the condition but it is thought that it is the result of a combination of genetic and environmental factors.
Possible Effects on Lifestyle
Some potential problems experienced by individuals who have borderline personality disorder include:
Medications and Treatments
Further Reading and Research
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1. I have been declined life insurance, I think it is because I have borderline personality disorder. Could that be it?
Yes it can. Some insurers can be a bit cautious about insuring people with mental health conditions, and tend to decline/refuse life insurance applications. The good news is that there are many insurers who can offer Life Insurance to people with borderline personality disorder. If you have had any significant events recently, like self-harm or a suicide attempt, then you may need to speak with a specialist insurer for your Life Insurance.
2. I have borderline personality disorder and I was off work last year for three weeks. I've been told that his may affect me getting income protection. Is that right?
Yes and no. There are a couple of options that you have. Most Income Protection policies that you apply for will come with a mental health exclusion. You could consider Accident, Sickness and Unemployment cover as an alternative, but again there will be an exclusion for claims linked to your borderline personality disorder. There are some Income Protection policies that you could apply for that would cover claims related to the borderline personality disorder, but access to these is limited by your employment status and employer.
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