Does Depression Affect Life Insurance? 
That is an excellent question ! One of the things that insurance companies are very careful about is your mental state when taking out insurance , or being insured . All legal agreements want you to be `` of sound mind '' when entering into the agreement . They will want to be sure that you are n't taking out a policy for the wrong reasons , and the agent selling you the policy will be required to report what they see/feel about your motives and mental state . I 've had clients that were denied coverage for the medications that they were on , and were offered reduced coverage as a result , and I 've had some that were accepted with a Doctor 's report on the stability and treatment history of the struggle with the depression . It really helps to have an independent agent who can understand your struggle , and guide you through the process to find the best company and policy for you . If you need help , please feel free to contact me , okay ? Thanks for asking ! 