Do Insurance Companies Look At Psychiatric Records? 
In respect to life insurance , underwriters are most concerned with conditions that impair or prevent a potential insured from completing daily tasks , interactions and living . In the event that your answers to the medical questionnaire on insurance application , attending physician statement & recordsor results from a insurance examindicate that you are being treated through therapy or medication , the underwriters will first seek clarification through your agent . Depending on the severity of the condition , the course of treatment and time elapsed since last episode or event related to your condition , the underwriter may not have much concern and thus not require additional information . Simply put mild conditions such as milddepression , anxiety or stress treated by counseling and low dose medicine may not require deep underwriting depending on the age of the insured and history of condition . More significant conditions , for example schizophrenia , treated with significant medication and therapy , will require additional records from treating physicians to ensure that the insured fits within their risk parameters . In your case , grief counselingcan soundambiguous ; if it were for the loss of a loved one , the absence of whom is not preventing your daily living , it should not require additional review . If the on the other hand , it is being used to cope with another traumatic event , additional questions or requests may be posed by the underwriters . A letter from your treating psychiatrist highlighting your improvements from treatment will help mitigate the need for additional information . In order to ensure that you get the best underwriting class , I suggest that you work with an independent agent that works with multiple carriers as different carriers each have their own points of view on various healthy issues . Additionally , question your insurance agent ! Ask them what experience , if any , have they had with placing business on clients such as yourself . At the end of the day , the most experienced agents will get the best underwriting results for their clients with the least disruption and scrutiny of one 's private issues . Please feel free to contact me to discuss your facts in order to give you more accurate information . 