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While it seems every Dr. is quick to prescribe depression or anxiety medication based on how many people we talk to that are taking these meds, this can sometimes cause a problem when applying for life insurance and may result in a higher rate for which you'll pay.
If your Dr. has put you on depression or anxiety medication and you apply for life insurance, you need to make sure you apply to one of the insurance co's that makes best offers for depression and anxiety.
Unless it's a situational depression/anxiety, i.e. was caused by a death in family, loss of job, etc., many insurance co's will put people taking anxiety or depression meds in their "Regular" or Standard rate category on best case scenario.
There are a few insurance co's that will offer their best Preferred Plus rates to people taking these meds if they are well controlled, have no recent history of suicide attempts or thoughts of suicide (based on medical records) and their health is good otherwise.
Some important things that need to be known to determine which life insurance companies and rates may be best for people taking depression and/or anxiety meds are:
-When were you diagnosed?
-Exact diagnosis (major or mild depression, bipolar disorder, post traumatic stress disorder, panic disorder, generalized anxiety, etc)
-What medications do you take and how long taking?
-Have you ever been hospitalized/institutionalized, required electroconvulsive therapy, been to the emergency room or been on disability for anxiety or depression?
-Do you have any history of alcohol or substance abuse?
If your health is good otherwise and your depression/anxiety history is well controlled with no significant recent episodes, then you may be able to qualify for Preferred Plus or Preferred rates with some of the more aggressive insurance co's for depression/anxiety.
We'll find the best insurance companies for you, just call the toll free # at top of page or run a quote request to your upper right and give us at least your email address and we'll send you some info and life insurance rates that will be best for you based on your depression or anxiety history.
