Does Depression Affect Life Insurance? 
Depression can present underwriting challenges . But in many cases , an otherwise healthy individual with only mild depression or anxiety accompanied by documented stability can obtain standard or even preferred risk class . It is important to understand that depression is an illness that affects the entire body , not just the mind . Depression will afflict one in five people during their lifetime . The underwriter , while concerned that the proposed insured has suffered from depression , is more concerned with recovery . An experienced life insurance professional will know how to best present the case to the life insurance underwriter . 