Health & Underwriting
Life Insurance With Depression or Anxiety
Mild to moderate depression or anxiety managed with medication and regular care is routinely insured, frequently at standard or even preferred rates. Underwriters are far more interested in stability and history than in the diagnosis itself.
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What should you know about What matters to an underwriter?
The pattern of care tells the story:
How long the condition has been stable on the current treatment
Whether there have been hospitalizations, and how recently
Any history of self-harm or suicide attempt, and how long ago
Whether you are working and functioning normally day to day
Whether substance use is part of the picture
Number of medications and any recent changes to the regimen
What should you know about What tends to cause a rating?
Recent hospitalization, a recent history of self-harm, multiple medication changes in a short period, or a diagnosis of severe bipolar disorder or schizophrenia will typically produce a rating or a postpone. Time and stability improve the offer substantially.
Should you explore coverage after a health diagnosis?
Many people assume a mental health diagnosis makes them uninsurable and never apply. That assumption costs families real coverage. It is worth twenty minutes to find out where you actually stand.
Why work with an independent agent?
A captive agent usually represents one company. Our network includes 20+ top-rated carriers, with available options depending on your state and profile. We help compare quotes for coverage and underwriting fit at no cost for comparison, without guaranteeing approval or the lowest price. Policy premiums apply.
Licensed Agent vs. captive agent — the full breakdownFrequently asked questions
Which other health conditions can affect coverage?
Bipolar disorder
Mental health
Schizophrenia
Mental health
Type 2 diabetes
Metabolic
Type 1 diabetes
Metabolic
COPD & emphysema
Lungs
Heart attack history
Heart & circulation
This page is educational and is not an offer of insurance, a quote, or a guarantee of coverage. Underwriting decisions, rate classes, and product availability are determined by each insurance carrier and vary by state, age, and health history. Carrier guidelines change without notice.