life insurance for people with depression or anxiety
Depression and anxiety are among the most common mental health conditions affecting life insurance applicants. Mild to moderate depression or anxiety that is well-controlled with medication is general...
life insurance for people with depression or anxiety
Depression and anxiety are among the most common mental health conditions affecting life insurance applicants. Mild to moderate depression or anxiety that is well-controlled with medication is generally insurable at standard rates. Severe depression with hospitalization history may face more scrutiny.
What You Need to Know
- Mild to moderate depression/anxiety well-controlled with medication: often standard rates
- Hospitalization for mental health within the past 2 years may affect underwriting
- Suicidal ideation history is the most significant underwriting concern
- An independent agent knows which carriers are most favorable for mental health history
- Guaranteed issue life insurance is available for those who can't qualify for traditional coverage
The Patriot Plans Difference
Patriot Plans is 100% independent. We work for you — not the insurance companies. When you have a health condition, finding the right carrier is critical. Different carriers have very different underwriting guidelines for the same condition. An independent agent who knows the market can often find coverage that a direct-to-carrier application would miss. We've helped 400,000+ families find the right coverage — including thousands with pre-existing conditions.
Ready to Find the Right Coverage?
Patriot Plans is 100% independent. We compare plans from vetted carriers and find the one most likely to offer you the best rate for your specific situation.