Does Taking Antidepressants Affect Life Insurance Premiums? 
Taking one antidepressant for mild depression , with no hospitalizations or disability for depression , and no suicidal thoughts noted in one 's medical records , rarely has an effect on life insurance ratings any more . If all other health factors are Preferred , taking one antidepressant will not normally change that . If more than 2 medications are needed to control depression or there has been a recent hospitalization for depression , suicide attempt , or need to go on Disability due to depression , it is possible that you might get a high rating or even decline on a medically underwritten policy . In this situation , there is usually a No Exam policy that can cover you . 