Yes — and in most cases, you absolutely can.
Millions of Americans live with conditions like anxiety, depression, PTSD, OCD, or schizophrenia — and many wonder if getting life insurance with mental health problems is even possible. While life insurance companies do review your medical history, that doesn’t mean they automatically deny coverage for mental illness. It depends upon what your overall situation is, what policy you are applying for and from whom.
What really matters to the right insurer is how well the condition is being managed — and how you present it during the actual application process.
How Mental Health Affects Life Insurance Underwriting
When you apply, underwriters typically review:
- Medical diagnosis and date of onset
- Current and past medications
- Therapy and psychiatric care history
- Hospitalizations (if any)
- Any suicidal ideation or attempts
- Work and lifestyle stability
- Is the treatment protocol being followed consistently
It’s not about labels. It’s about risk — and whether your mental health history indicates a current or long-term concern.
Pro tip: Underwriters want to know you’re not a ticking time bomb, not your diagnostic label.
Common Mental Health Conditions We Work With
At Maple Valley Insurance Group, we’ve helped clients get life insurance even after:
- Ongoing therapy for depression
- Prescriptions for anxiety disorders
- Past diagnoses of PTSD
- ADHD or OCD diagnoses
- Eating disorders or panic attacks
If you want more info on a complex condition like bipolar disorder, check out our detailed guide here: Life Insurance with Bipolar Disorder.
Medication Use and Life Insurance
Mental health medications don’t automatically raise red flags. What matters more:
- Dosage and consistency
- Number of prescriptions
- Recent changes in medication
- Use of any antipsychotics, benzodiazepines, or meds often tied to hospitalization
Many people worry their meds will doom their chances, but with the right approach, you can still qualify for competitive rates.
If you want to skip the medical exam altogether, ask about No Medical Exam Life Insurance. It’s not for everyone, but it’s a solid option for some with more complex histories.
What Kind of Life Insurance Can You Get?
| Policy Type | Good Fit For… |
|---|---|
| Term Life Insurance | Mild, well-managed conditions with no recent disruptions |
| Whole Life Insurance | Stable treatment history and interest in lifelong coverage |
| No Medical Exam Life Insurance | Managing a condition and want to skip the exam |
| Guaranteed Issue Life Insurance | Severe or recent mental health concerns; no health questions asked |
Not sure what you qualify for? We’ll help you navigate it — no pressure, just honest answers.
Myths About Mental Health and Life Insurance
There’s a lot of misinformation floating around about mental health and life insurance. Let’s clear a few things up:
- Myth #1: Having a mental health condition means automatic denial.
Nope. Most insurers look at how stable and well-managed your condition is, not just the diagnosis. - Myth #2: You can’t get affordable rates if you take medication.
Not true. Many people on antidepressants or anxiety meds qualify for competitive rates. - Myth #3: You should hide your mental health history on your application.
Bad idea. Being honest upfront avoids nasty surprises later — like claim denials. - Myth #4: No insurer will cover someone with a past suicide attempt.
False. If you’ve been stable for several years with proper treatment, you might still qualify, sometimes even for standard coverage.
Getting the facts straight helps you avoid unnecessary stress and get the best coverage possible.
đź‘‹ Ready to See What You Qualify For?
We’ll compare top-rated carriers and help you find the best fit — whether that’s term, whole life, or a guaranteed issue policy.
- âś… No pressure.
- âś… Honest guidance.
- âś… Fast quotes.
đź“ž Call us at 269-244-3420 or
👉 Request a Free Quote
Tips to Improve Your Approval Odds
- Work with an independent agent (like us — we’re not tied to just one company)
- Be open and truthful about your mental health history
- Apply when your condition is stable and well-managed
- Avoid applying right after med changes or hospitalizations
- Let us include a cover letter explaining your situation when appropriate
Heads up: Trying to hide or sugarcoat your history? That’s a no-go. It usually backfires during claims and can cost your family dearly.
We Help Clients Others Turn Away
Many of our clients are relieved to hear, “Yes, we can help with that.” We’ve helped people get coverage after:
- Long-term treatment for anxiety and depression
- Short-term disability leave due to mental illness
- Past suicide attempts (with proper recovery and time since)
- Hospitalizations followed by years of stability
- Multi-med regimens that are well-controlled
You’re not alone — and you’re not uninsurable.
🧠You’re Not a Risk. You’re a Person.
We believe everyone deserves access to life insurance — including those with mental health conditions.
We’ve helped people with hospitalizations, therapy, and medication histories get approved every day. Let’s see what we can do for you.
👉 Start the Conversation
đź“ž Or call us at 269-244-3420
💬 Let’s Talk – Your Mental Health Doesn’t Define Your Future
At Maple Valley Insurance Group, we work with people just like you — honest, hard-working individuals who want to protect their families.
- âś” Independent & unbiased
- âś” Experience with mental health underwriting
- âś” Personalized, no-pressure service
👉 Get Your Free Quote
đź“ž Or call 269-244-3420 to speak directly
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Common Questions About Getting Life Insurance with Mental Health Problems
Can I get life insurance if I take antidepressants or anti-anxiety meds?
Absolutely. Many applicants taking SSRIs, SNRIs, or other common medications get approved with affordable rates.
Will past suicide attempts prevent me from getting coverage?
Not necessarily. If it was several years ago and you’ve maintained a stable treatment plan since, you may still qualify — sometimes even for traditional coverage.
Do I have to disclose my diagnosis on the application?
Yes. Lying or omitting information can result in denied claims later. However, disclosing it the right way — with guidance — can still lead to approval.
Should I wait to apply if I just changed medications?
It depends. If the change was recent or part of a treatment disruption, waiting a few months may help. We’ll give you honest advice either way.
