Does Anxiety Affect Life Insurance? 
Mild , infrequent episodes of anxiety that are alleviated by prn medication do not generally have much effect , if any , on life insurance rates . Where anxiety , and every other mental or emotional condition , makes a big effect on life insurance is when it interferes with daily living . Persons on Disability specifically for anxiety , depression , or bipolar disorder will find it difficult to obtain a medically underwritten policy , as will individuals who have had to be recently hospitalized for such . However , there are simplified issue policies available to cover these cases . 