Does Taking Antidepressants Affect Life Insurance Premiums? 
It does not have to . It all depends on how the broker sets the context for the use of the medication . Let me give you an example . A number of years ago , a woman called me asking the exact same question . Would she be eligible for life insurance coverage now since she does take antidepressants ? This is where the broker has to delve into the personal history of the potential applicant . You have to be thorough , but you also have to tread delicately because you will be addressing sensitive personal issues . We talked a bit about her current medication program : what were the drugs , what were the dosages , when was the diagnosis , etc. . I learned about her prior history of basically self-medicating with drugs and alcohol . Very important to know , and very important to put in the proper context . In talking further , I found out about some particularly troublesome childhood experiences . She actually was a survivor of childhood abuse . This info was integral to the overall picture that was developing . Through connecting the dots , a clear and also positive life story emerged . Here was a person who had suffered severe trauma . Quite naturally , she became depressed in surviving it . Before she was able to seek professional help , she tried to treat the symptoms herself with drugs and alcohol . Not the right way to do it , but at least she was cognitive of trouble brewing internally . Eventually she fought her way through her addictions and got herself into the hands of psychiatric professionals . They gave her the therapy and medication she needed to keep her demons at bay . She became stable , compliant with treatment , and drug and alcohol free . And eligible for life insurance at a very reasonable rate . All because the current use of antidepressants was put in the context of her life history . 