Getting approved for life insurance with a pre-existing condition is easier when using an independent agency taking a clinical approach to life insurance underwriting.

Utilize an Independent Life Insurance Agent

People suffering from depression and anxiety symptoms can really benefit from working with an experienced agent representing many life insurance companies.



An experienced life insurance agent has the knowledge of underwriting depression which is not typically found in big call centers like Select Quote or AIG Direct.

People seeking life insurance with depression should always be truthful with your agent.

Most experienced agents will want to know the answers to these 5 questions when getting life insurance with depression.

What specific type of depression you have experienced? How long you have been suffering from the condition? Are you any medications being prescribed to help you? Do you have history of compliance with your medications? Are you undergoing counseling with you psychologist?

These questions will allow your insurance adviser the opportunity to select the best company(s) for you at the beginning of the application process.

Apply with Companies that use Clinical Underwriting

Clinical underwriting will consider the details of your complete medical history when you are getting life insurance with depression or anxiety.

The clinical underwriting process utilizes the most current medical data to evaluate a clients specific depression history. Clinical underwriting evaluates the elements that truly affect a person’s lifespan, such as lifestyle, family history, and medical history and compliance with your doctor’s recommendations. Be Sure to Take an Insurance Examination Should you take a medical exam when a applying for life insurance with depression? Most people seeking life insurance with depression should take the exam because it is their best opportunity for obtaining a policy with affordable rates. Here is our 4 step process for getting insurance with depression: First, your smoking status, medical history, and depression history is initially evaluated to determine which insurance companies may be best suited for you. Next, we have you complete a brief insurance examination which can be utilized with many insurance companies. Then, we order the required medical summary from your physician, psychiatrist, or psychologist which can be used with all of the viable life insurance companies. Finally, your medical information is presented to several companies to determine which life insurance carrier would be willing to offer you coverage at the most competitive rate class. Instead of being assessed with increased rates because you are being treated for depression, clinical life insurance underwriting evaluates both the control of your depression, and compliance with your physicians plan for treatment. Moreover, it validates this compliance by obtaining your complete medical records to make sure you are managing your depression properly. This allows us makes accurate premium comparisons based on how your depresssion history has been clinically underwritten with each insurance company. My Rates for Life Insurance with Depression