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Life Insurance with Anxiety

Life Insurance With Anxiety | The Complete New Definitive Guide for [2022]

People apply for life insurance with anxiety and depression disorders virtually every day in the United States. Medical experts claim that everyoneanxiety disorder photo of woman suffers from some form of this condition at least temporarily.  This is one of the most common mental illnesses in the United States and the rest of the world. This article will be an information-packed resource to get you pointed in the right direction and show you exactly how you can buy life insurance at a very affordable premium. 

This is the most common mental illness in the United States affecting over 40 million adults ages 18 and older.

If you are like millions of people diagnosed with this condition and is controlled with or without medication. You could qualify for preferred rates if you’re otherwise in good health.


Can I Get Life Insurance With Anxiety?

Can I get life insurance with anxiety is a very commonly asked question all over the country? Especially in these very high-stress times where new events are causing people to worry about their future. Most people believe that due to the fact this is considered a mental condition. There will be a problem if they go to apply, and nothing could be farther from the truth. Just about everyone has some form of anxiety at one time or another.

Many times this condition is just temporary and many people just grow out of it. It is very common with people under a lot of stress such as teenagers and even new mothers. The only time there could be a problem is if your anxiety is out of control even with medication and you are hospitalized regularly.

Most of the people we see that have this condition apply and are issued preferred rates as long as they are in relatively good health.


Can Anxiety Cause My Life Insurance Rates to Go Up?

We rarely see rates go up with this condition as long as it is controlled either by natural means or with medication. The life insurance companies are only concerned with one major concern and that is anything that can trigger one’s demise. If your condition was so bad that you were contemplating suicide, then that would be another story altogether.

Most people have a mild to moderate form of the condition and can keep everything under control with simple medications and occasional therapy with a doctor. Many new drugs are improving an anxiety patient’s life to the extremes. If your health other than this condition along with your height and weight is for the most part normal, it would be very likely you will receive preferred rates.


How to Apply and Get Approved Within 24-48 hours

If you have been diagnosed with this condition, use your valuable time to your best advantage. The first task at hand is to contact an experienced independent agent that can shop the complete market for you. Your agent (hopefully us) will be able to quickly find the best companies to fit your specific needs and budget. After you and your agent have chosen the best life insurance company to apply with, submit a No Medical Exam life insurance application. With many of these companies you can be approved within several days and as quickly as 24 hours and you are done.


A Simple Nervous Condition Is Considered Anxiety by Today’s Medical Professionals!

Just a simple case of nervous tension is considered a form of anxiety. If you visit your family doctor and mention you feel a little anxious or nervous about something from time to time.  You will probably be permanently branded as an anxiety patient and this will be placed in your records if you know it or not. The doctor will trip over his own feet trying to get that noted in your records. Now when you go to apply for life insurance, you will have the condition found in your medical records which will remain there forever.

Most doctors are alarmists and put conditions into your records without proper consideration and diagnosis. Applying for life insurance with anxiety can sometimes be a challenge but only with extreme conditions. This will always depend on the complexity of one’s specific condition. To properly discuss how to apply for life insurance. We should try to understand what the condition is all about.


Denied Life Insurance Because of Anxiety

Periodically we hear of people being denied life insurance because of anxiety. About 90% of the time this is due to the applicant using the wrong agent. First of all, you are going to want to be working with an independent agent that specializes in life insurance and is contracted with many carriers so he can properly shop the market for you.

You will also want to make sure your agent is knowledgeable and experienced with risky medical conditions such as this condition. One of the most important factors to getting approved and also getting the best life insurance rates is choosing the correct life insurance company. This does not happen by pulling a rabbit out of a hat. It requires experience and plenty of knowledge on your agent’s part.

Your agent will have to prescreen your condition with multiple carriers to know your best choice in companies and plan designs. This hard work on your agent’s part will inevitably enable you to receive the best underwriting decision along with the lowest rates.


Does Anxiety Affect Life Insurance?

Anxiety along with all the other mentally related conditions will affect your life insurance application. The most important concept the life insurance companies consider is how severe or hopefully mild is your condition specifically to you. Here is the most important information they need to know with no close second.

  • Did you ever have thoughts of suicide or made actual attempts?
  • What medications and dosages do you take daily?
  • Have you ever been hospitalized for your condition?

Just the answers to these three simple questions will tell the insurers where you are going with this application. As I said earlier in this article, it all depends on how simple or mild your condition is.


Can Anxiety be Considered an Actual Disability?

If your condition is severe enough, it could be observed as a partial or even a total disability. A total disability would be being confined to a hospital for extended periods of mental institutions for years on end. This is very rare and in most cases, people with anxiety just find that their condition is an inconvenience for their everyday life. Here are some good articles to read by clicking these links:


Most Common Symptoms:

  • A mild or intense feeling of nervous tension and stress
  • Feelings of impending danger or doom with possible panic effect
  • Heart rate increases such as a possible heart attack effect
  • Uncontrolled hyperventilating 
  • Excessive perspiration (not caused by hot temperature conditions)
  • Uncontrolled body trembling
  • A strong or severe physical feeling of being very weak or tired
  • Unable to concentrate on anything other than the impending danger
  • Severe or mild insomnia condition 
  • Bellyaches (gastrointestinal pains)
  • Constant sensation of worrying
  • A strong feeling of paranoia
  • Thoughts of suicide


The Best Life Insurance Companies for Anxiety

Some of the companies that work well with anxiety:

  • Prudential Insurance Co.
  • AIG (American General) offering guaranteed acceptance
  • Lincoln Financial
  • Protective Life
  • Banner Life
  • Transamerica

We use over 40 of the most competitive life insurance companies in the nation. These carriers will normally come back with the best health class and the lowest rates. Choosing the exact one will have to be determined by your answers to a few specific questions.

You can get an idea of what your rates will be by activating our instant quotes tool. You can vary the “health class” drop-down menu between “preferred” and “standard” to see how the premiums react.


Questions the Carriers Will Normally Ask You

  • When were you first diagnosed with the condition?
  • Have you ever been hospitalized due to anxiety?
  • What medications are you currently taking for your condition?
  • What level was your last diagnosis (mild, moderate, or severe)?
  • Are you currently participating in any psychotherapy treatment?
  • Are you currently undergoing any form of treatment?
  • Have you ever attempted to commit suicide?
  • How frequently are your anxiety-related episodes, including panic attacks?
  • Have you ever missed going to work because of your anxiety?
  • Do you use any forms of drugs or abuse alcohol?


Can You Get Approved for Life Insurance if You Use Antidepressants?

Because all carriers have their specific underwriting guidelines, your agent will have to prescreen this for you to make sure. Most of the time you can be approved for life insurance even if you use antidepressants. This decision will also be based on what your dosages are and what other drugs you take at the same time.


Main Types of Anxiety Disorder:

  • Post Traumatic Stress Disorder (PTSD) – Probably by now most everyone has heard of this version of anxiety. PTSD is an extreme form of anxiety that usually stems from terrifying events such as soldiers in combat experiences, firefighters that have witnessed near-death situations, and police officers involved in shootings for example. Even the normal individual can suffer from PTSD due to a very serious car accident, being a victim of a physical attack or robbery attempt. People have also developed PTSD from long-drawn-out volatile divorce cases.
  • Generalized Anxiety Disorder – Generalized Anxiety Disorder is a version of chronic anxiety, uncontrolled worry, and nervous tension. Regardless of the stress level, the individual will constantly worry. This is not only limited to adults, many children have been diagnosed with a generalized anxiety disorder also.
  • Panic Disorder – People diagnosed with panic disorder experience repeated and unexpected sessions of intense fear. They will experience shortness of breath, dizziness, chest pains accompanied by other physical symptoms. These might include chest pain, heart palpitations, shortness of breath, dizziness, and even abdominal issues.
  • Obsessive-Compulsive Disorder – OCD will usually inflict obsessions and repetitive impulses to wash their hands, clean things, and count them also. If they don’t perform these exercises, the anxiety will steadily increase to a more steady and intense level.
  • Social Phobia – Social Phobia is also known as Social Anxiety Disorder. This is a disorder that produces excessive self-consciousness from being around other people. People with this condition have a fear of speaking in formal or even informal situations. They also dislike drinking or eating in front of other people in restaurants and taverns.

Health Classifications You May Expect to Receive

 There are several health classifications you may expect to be placed in after the underwriting process has been completed. They are as follows:

  • Preferred Plus & Preferred – These two ratings are issued to people that would be considered very healthy. If your condition is controlled and you don’t have any other risky type of medical condition or are overweight, you should fall into one of these two classes.
  • Standard – Many people with anxiety and also depression disorder can fall into this category. The standard rating is often issued to life insurance applicants who are in average health, and their anxiety is controllable.
  • Substandard – A substandard rate class is also associated with a letter or a number “rate table” system such as Standard rate class 2 or Standard rate class B for example. The numbers run from 1-10 and the letters run from A-J. This designates the severity of the underwriting decision. Some companies use the number system and others use the letter system.


Seeking Professional Help for Anxiety

The first person you should see is your family Physician. He can exam you and possibly run a primary test to determinelife insurance with depression photo if you have any type of mental illness. He may want to send you to a specialist such as a Psychiatrist or a Psychologist to make a more educated diagnosis. Your condition could even be temporary but that is for a medical professional to decide. If you are wondering what is the difference between a Psychiatrist and a Psychologist is, find out so you know.   


The only way you are going to know what your final rates will be is to apply. We can also speak with you and run a quick prescreen which will enable us to choose the correct company and projected rate class you be assigned.

Why Should You Work With Us?

This is a very good question and I want to give you a good sensible answer. We don’t make promises we can’t keep or tell you what you want to hear like some of the other agents do. We will only give you the plain facts whatever they are. What we can tell you is we have over 25 years of experience and work hard to get our clients the best policy and the lowest premiums possible. The best part is you don’t have to listen to any sales-related BS or fluff which can be an insult to anyone’s intelligence. 

We simply show you what your options are by researching our list of over 40 companies we deal with and letting you take it from there. If you decide to apply, we will provide the best of care every inch of the way until you are approved with the rates that we both are happy with. There is no sales pressure or any dog and pony show whatsoever, just a good professional experience we know you will be more than happy with.


In Conclusion

Purchasing life insurance with any mental illness such as anxiety disorder can take a little more work but that is what your agent is for. I am sure by now you have a much better understanding of how life insurance companies view your condition. This will help you when you are ready to apply.

Contact us today and we will answer all your questions and remove all the guesswork you make have stored up. We will provide you with life insurance quotes for anxiety from all the most competitive companies specifically chosen for your condition. You can also conveniently apply over the telephone within 15 minutes of your time. 

Check out our let’s get started article for more valuable information. 

All the best,
Jack Venturi

You may set up a time to chat at your convenience.  Get all your questions answered within minutes, with no cost or obligation.


Jack Venturi Independent Life Insurance Agent

Jack Venturi

Independent agent and founder of

Jack Venturi has over 30 years of experience selling all forms of individual and commercial insurance including Property & Casualty, Health, Disability and Life insurance. Jack has helped thousands of people all across the United States purchase the best life insurance products at the lowest possible premiums over the phone (800)-897-5699 and online.