Will Depression Affect Life Insurance? 
If you have mild depression that has been controlled by one medication and stable for over a year , you can be rated the best health class with at least one company , and Preferred by many . The opposite extreme is a recent suicide attempt , in which you would need to get guaranteed issue life insurance . However , when a couple of years have passed , you can get a simplified issue policy . The price gets lower the longer out from the hospitalization . In between are the other situations and ratings . If you are going with a policy that requires an exam , keep in mind that your medical records will be reviewed . If there is a problem with getting approved , if usually stems from medical records . You might want to get a copy ahead of time and make sure that what your doctor has written is up to date and accurate . He/she may be agreeable to an appointment before you apply for life insurance , so that your improvements can be noted . 