Does Depression Affect Life Insurance? 
Depression can affect life insurance rates very little , or it can affect them a lot . The severity of the depression , whether or not there were suicidal thoughts or attempt -LRB- s -RRB- , whether there was hospitalization for depression -LRB- and if so , how often and how long ago -RRB- , if the applicant is on disability for depression , how many medications are being used to treat the depression , and whether therapy is part of the treatment can all affect the rates . Mild depression treated with only one medication can result in preferred rates . A long history of depression that is resistant to treatment and has a high risk of suicide can result in a decline . In my experience , severe depression is far less common than mild depression , and most policies involving depression get rated favorably . 