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Life Insurance Underwriting With An Anxiety Disorder | Get The Best Rate

by Scott G on December 25, 2012 · 1 comment

Life Insurance Underwriting With Anxiety Disorder

Life Insurance Underwriting With An Anxiety Disorder


Anxiety disorder is a blanket term covering several different forms of a type of common psychiatric disorder characterized by excessive rumination, worrying, uneasiness, apprehension and fear about future uncertainties either based on real or imagined events, which may affect both physical and psychological health.  Wikipedia  



Atovan (gemeric-lorazepam)   Paxil (generic-paroxetine)

Buspar (generic-buspirone)     Paxil CR (generic-paroxetine)

Celexa ( generic-citalopam)     Prozac (generic-fluoxeine)

Cymbalta                                 Wellbutrin (generic-bupropion)

Desyrel (tazodone)                  Xanax (alprazolam)

Effexor (venlafaxine)               Zoloft (sertraline)

Klonopin (clonazepam)           Zyban (bupropion)

Lexapro (generic-escitalopram)

Underwriting factors:


•When were you diagnosed with anxiety?

•Diagnosed with other mental disorders, i.e. bipolar, etc?

•What medications are you currently taking?

•Ever hospitalized for anxiety or depression?

•Employment stability?

•Any other health issues?

Life insurance companies rating classes:


•Preferred Plus


•Standard Plus


Underwriting life insurance with anxiety disorder:


•Mild, well controlled, on one anxiety medication = likely Preferred Plus rate

-No other mental health issues, no substance abuse history, no DUI’s, stable employment.

•More than one medication for anxiety or depression= likely Standard rate

Obtaining life insurance with mild anxiety is usually not a problem.  By knowing the factors that affect life insurance rates, you can shop with confidence and know what to expect.  You can use the instant quote engine on this site to shop for the best rates.  Also, keep in mind underwriting will also look at build, other health conditions and lifestyle.  If you fall into a lower rating category than you anticipate, that is OK, you can still buy a policy and ask the life insurance company to re-evaluate your rate once your health has improved.

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Photo Credit: Porschelinn


Ross Vaughn September 24, 2013 at 6:06 am

Zoloft depression has actually been around for around 12 years. Patients have been proven to respond well to treatments from Zoloft depression while doctors favor Zoloft depression’s availability in various strengths, this way, someone who’s suffering from depression doesn’t have to settle for something else just cause they don’t have the right dosage available, with Zoloft depression, it’s hard to not get the right dosage for you … Understanding Zoloft depression better

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