Depression Life Insurance

Depression Life Insurance

We live in a country that is anxious, arguably for good reasons. In a lot of cases anxiety can lead to depression and the severity of the depression is what life insurance companies look at.

Lumped together anxiety, minor depressive disorder and major depressive disorder affects nearly a quarter of the adults in the country. About half of those are medically treated for their challenge.

Life insurance companies take these five areas into consideration when underwriting depression:

  1. Have you ever been hospitalized for depression?
  2. Have you attempted suicide or had suicidal thoughts?
  3. Have you been unable to work due to depression? Are you on disability for depression?
  4. What medication(s) are you on?
  5. Do you have a stable and productive family and work life?

Depression is not a deal killer when it comes to reasonable rates for life insurance. If you’ve been treated in the past but have reached a point where you no longer need treatment, the best life insurance rates could be available to you. Mild depression on one medication could get better than standard rates.

It really all comes down to how well you’re functioning and how compliant you are with your treatment. Hinerman Group has a wealth of experience with life insurance and mental health, including mood disorder underwriting and finding the companies that offer the best approvals. Give us a call.

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More Questions? Check Out Our Blog!

The Hinerman Group knows that every situation is unique and it can be difficult finding the best answers. Be sure to check out our blog where you will find a comprehensive bank of topics covered regarding Life Insurance. The background covered in The Hinerman Group blog will point you in the right direction and help you get your family the coverage you need.

Want to talk? Call Ed directly at (719) 539-7914 for a FREE CONSULTATION. *Ed released the fish and it went on to have a full life.


My 20 years of experience give me the knowledge and leverage to find reasonably priced Life Insurance for people who have been declined or are paying more than they need to.

Let’s get together and get it done right for you and your family!