Do Insurance Companies Look At Psychiatric Records? 
Whether or not an insurance company will look at your psychiatric records after seeing a grief counselor for four years will partly depend on the type of policy you get , and the face amount . If you are applying for a small nonmed , final expense policy , it is doubtful that your psychiatric records will be reviewed . The exception might be if you had a hospitalization for depression , suicide attempt , or went on Disability for depression within recent years . Even then , there are some policies that will cover you without review of your medical records . Others will be more investigative . If you are applying for a medically underwritten policy of a face amount over $ 250,000 , and if you are also on medication for depression , I anticipate that many companies would order your psychiatric records . Some wo n't . If they do , they are bound by HIPAA laws to keep them confidential , and simple grief counseling that has not caused hospitalization , suicide attempt , or disability will usually not interfere with your ability to get life insurance . Using an experienced impaired risk life insurance agent who is able to choose the best policy from among many companies will be your best option , especially if you desire that your records not be reviewed . 