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While it seems many Doctors are quick to prescribe depression or anxiety medication nowadays, based on how many people we talk to that are taking these medications, this can sometimes cause a problem when applying for life insurance and may result in your qualifying for a higher rate.
Life insurance for depression and anxiety can be very affordable and you may even qualify for Preferred Plus rates with some insurance companies.
If your doctor 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 companies that makes best offers for depression and anxiety.
Unless it’s a situational depression/anxiety, or was caused by a death in family, loss of job, or a specific life event, many insurance companies will only offer you their “Regular” or Standard rate category on best case scenario.
There are a few insurance companies that will offer their best Preferred Plus rates to people taking Cymbalta, Lexapro, Zoloft, Celexa, Prozac, Welbutrin, Paxil or other anti-depressants if your depression is well controlled, you have no recent history of suicide attempts or thoughts of suicide (based on medical records) and your health is good otherwise.
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Some important things that need to be known to determine which life insurance companies for depression and anxiety will best for you:
- 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 electro-convulsive 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 has been 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 companies for depression/anxiety.
We’ll find you the best insurance company, just call us at 1-800-380-3533, click here to email us or simply click the link below to get your accurate depression/anxiety quote emailed to you.