Does Depression Affect Life Insurance Rates? 
Yes , underwritten life insurance policies do consider depression when determining rates . Remember that underwriters look at every aspect of a life to determine risk of dying . There are many different levels of depression and that is what the insurer wants to see . Is the depression caused by a situation , chemical imbalance or is it clinical ? Is it mild , moderate or severe ? Is there a history of hospitalization or suicide attempts ? Also , the types of medication and length are all going to be factors in determining your life insurance rates . 