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    Quick answer · Depression & anxiety

    Which life insurance fits someone with depression or anxiety?

    Treated depression and anxiety are common in approved applications and frequently receive standard pricing. Fully underwritten term or whole life should be the first stop; hospitalization, recent self-harm history, or multiple medication changes shift the file toward simplified issue.

    Which coverage paths can you discuss with a licensed agent?

    1. 1

      Fully underwritten term life

      Stable treatment, no hospitalization, working and functioning normally.

    2. 2

      Fully underwritten whole life

      Same profile with a preference for permanent coverage.

    3. 3

      Simplified issue whole life

      Recent psychiatric hospitalization or an unstable treatment history.

    Which coverage limitations should you check?

    A decline for routine treated anxiety or mild depression is unusual.

    When can life insurance coverage start?

    Standard timelines; records may be requested for a hospitalization history.

    Read the full Depression & anxiety guide Not sure which fits? Request a free quote

    Frequently asked questions

    This page is educational and is not an offer of insurance, a quote, or a guarantee of coverage. Underwriting decisions and product availability are set by each carrier and vary by state, age, and health history.

    What else should you know?

    Does a health condition mean I will be declined?

    No diagnosis by itself tells us every carrier's answer. Control, severity, treatment, timing, and other conditions can change eligibility, so compare guidelines before assuming the market is closed.

    Does no medical exam mean no health questions?

    Usually not. A no-exam application may still ask health questions and review prescription or other authorized records; guaranteed-issue coverage has a different design and may limit early benefits.

    Should I mention vaping or occasional tobacco?

    Yes—answer the application's wording accurately, including nicotine use where requested. Carriers differ in their definitions, and concealing use can affect coverage or a later claim.

    Can a licensed agent promise approval before I apply?

    No. A licensed agent can help assess likely options, but the carrier decides eligibility, health class, and terms. An initial conversation or quote is not approval.

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