Compare Rates

Life Insurance with Anxiety Disorder

Purchasing life insurance with Anxiety is a simple process!

If you were declined for life insurance due to your anxiety, you probably applied with the wrong company. Anxiety disorder is the most common mental illness in the United States, which affects over 40 million adults or 18.2% of the population! Applying for life insurance with anxiety can sometimes be a challenge at times (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.

We need to see how the insurance companies view this very common medical conditionThis is a medical issue where the symptoms that can come and go with time. Purchasing life insurance with anxiety disorder has become much easier thanks to more information published each day. Applying is no longer the complicated process it used to be. Especially with the current knowledge of this condition and the medication used to control it.


There are a number of different forms of anxiety disorder

Did you know there are multiple types of anxiety disorders? This includes the common panic disorder version and social anxiety. There are also a number of various types of phobia conditions, and general anxiety disorder. Anxiety is a normal human emotion that everyone experiences at one time or another. Just about everyone experiences some for of anxiety from time to time.

Many people complain of feeling anxious, or very nervous, when faced with a problem at work or home. It could be just before taking a test, or just making an important general decision. Anxiety disorders however, can be very different and can go from one extreme to another. They can cause extreme distress that totally interferes with a person’s ability to lead a normal life.

What the insurers have to take into consideration

There are many forms of anxiety that have been categorized by the modern medical profession. Panic disorder is a condition that initiates the feeling of terror that suddenly strike and repeatedly with no apparent warning. Some of the other symptoms of a panic attack include sweating and chest pain. This is similar to a heart attack, heart palpitations, and a feeling of choking which simulates having a heart attack or going out of their mind.

Social anxiety involves an overwhelming feeling of worry and self-consciousness about everyday situations. A person with anxiety always fears of an outbreak at the worst possible time such as a stressful job interview. The worry normally centers on a fear of being judged by other people. Such as friends, work associates or even relatives, or just behaving in a way that might lead to ridicule and embarrassment. This can sometimes lead to paranoia.

Anxiety can often vary from one extreme to another 

A specific phobia is a very intense fear of a specific object or situation to be in with, such as insects of all kinds, heights, or flying. The level of fear is usually intense enough to cause the person to avoid normal, everyday situations in everyday life. Generalized anxiety disorder involves excessive worry and tension. Even if there is little or nothing to provoke the anxiety condition.

Symptoms vary depend on the type of anxiety disorder, but general symptoms include feelings of panic and fear. Also, uneasiness, problems sleeping, cold or sweaty hands , shortness of breath and palpitations. This is an inability to be able to sit still and be calm. Dry mouth, nausea, muscle pain and tension and also dizziness which in itself is a horrible feeling to deal with.

The medical profession has made major advancements in treating anxiety 

The exact causes of anxiety is unknown. Just like other forms of mental illness are but they are not the result of personal and mental weakness. As doctors continue their research and testing of this condition. It is becoming clear that many of these disorders are caused by a combination of factors. This can include changes in the brain and environmental stress. Virtually anyone could experience anxiety without any notice or warning.

Just like many other mental illnesses. Anxiety disorders may be caused by problems in the functioning of brain that regulate fear and other important everyday emotions. Severe or long-lasting stress can change the way nerve cells from one area of the brain to another. Medical studies have shown that anxiety can run in families. This means that they can at partly inherited from one or both parents. Just like the risk for heart disease or cancer and other physical type diseases.

What type of life insurance with anxiety is best for you?

You normally have three main types of life insurance to choose from which are:

  • Term life insurance
  • Universal life insurance 
  • Whole life insurance

Term insurance is by far the most common choice and the least expensive of the three major types. There are several different version of term insurance but the conventional plan designs with 10,15, 20 and 30 years are the commonly purchased. Banner life has recently released a 35 and 40 year term product also. Return of premium life insurance is also a term plan design you can carefully consider. 


The best companies for life insurance with anxiety disorder

Some of the companies that work well with folks that have anxiety disorders would be:

  • Prudential Insurance Co.
  • AIG American General
  • 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 for people with anxiety. Check out our post on health classifications to see how they have the highest degree of impact on your rates. Being able to obtain a good health classification is your key to getting the best life insurance rates.


Questions the insurers will usually ask

  • When were you first diagnosed with anxiety?
  • 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?


How much does life insurance cost for people with anxiety?

You may activate our websites quote engine on the right and compare rates from over 40 of the top rated companies in the nation. This will help you to see what your options are. You may contact us and we will run a quick and simple medical prescreen to see an accurate premium if you were to apply. We have many excellent companies that in quite a few cases will offer preferred rates to people with anxiety.


How do I know if I am getting the best life insurance rates?

The first step is to connect with an independent insurance agent that specializes in life insurance and has a good long time reputation in the business (like us!). We actually guarantee the lowest rates because we shop the entire market for our life insurance applicants. After the application process is over and an offer is made. We will review the companies offered premium and possibly apply with other companies to see if we can secure even lower rates.


Our final word

I am sure by now you have a much better understanding on how life insurance companies view anxiety. This will help you when you are ready to apply.  You must have a few questions you need answered so don’t hesitate to call us 7 days a week for answers. 

The easiest way to get all your questions answered is to set up a time to talk at your own convenience with no cost or obligation.

All the best,
Jack Venturi


Jack Venturi Independant 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 Sates purchase the best insurance products at the lowest premiums possible over the phone and online.