Does Taking Antidepressants Affect Life Insurance Premiums? 
It depends on many factors . Has there been a diagnosis of depression ? If not , and the reason for the prescription is relatively minor , the affect on life insurance premiums may be minimal . Depression can involve a short-term episode related to a stressful event , such as the loss of a loved one , business setback , or loss of a job , to a prolonged illness requiring years of therapy and medication . It would be important to know when first diagnosed as being depressed , if hospitalization was involved and how long treatment continued . Some situations may be insurable and others may result in a decline . 