Can I get life insurance if I have a mental health history?

Yes, many people with mental health histories can qualify for life insurance, though the underwriting process is more detailed. Carriers evaluate the specific condition, severity, treatment history, compliance with treatment, and stability of the condition — not simply the presence of a diagnosis.

Conditions like treated mild-to-moderate depression and anxiety are common among life insurance applicants and often result in standard or near-standard rates when managed effectively and documented with treatment compliance. More severe or recent conditions — particularly those involving hospitalizations or suicidal ideation — may result in higher rates or limited availability, especially in the short term following an episode.

Key factors that favor approval include stable treatment with a licensed mental health professional, medication compliance when prescribed, no recent hospitalizations, and consistent employment. The longer the period of documented stability, the more favorable the underwriting outcome tends to be.

Nevada applicants should work with an agent in our network who has access to multiple A-rated (A.M. Best) carriers — different carriers have significantly different underwriting standards for mental health conditions, and matching your profile to the most favorable carrier can make a meaningful difference in outcomes. Actual offers vary by carrier and individual circumstances.