Does Taking Antidepressants Affect Life Insurance Premiums? 
Taking antidepressants does not always affect life insurance rates . Taking one antidepressant medication for mild , controlled , stable depression will still allow you to be rated Preferred with many companies . And you can get No Exam life insurance at that same rate as everyone else . When there is more than one medication taken for depression or other factors indicating more serious depression , your policy may be rated up to a higher premium . If you had a recent hospitalization for depression or are on disability due to depression , you mayneed to get simplified issue life insurance , and those premiums can be rather steep . However , by shopping with an agency that carries many options , you can get affordable life insurance while using antidepressants . 