Top pick: Sproutt
- Quotes from 40+ top insurers
- Up to $10 million in coverage
- Skip the medical exam
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Yes, but your rates will depend on your history of depression. Low-risk candidates with a short or mild history of depression, one or no medications and no hospitalizations will be able to get a policy at a competitive rate.
If you’re considered medium risk, you may have to pay a higher premium or agree to a shorter term for your policy. High-risk applicants can be denied insurance, particularly if there are other health risks involved.
Taking out insurance if you have a history of depression requires:
Be prepared to answer these questions:
As doctors learn more about depression, insurers are becoming more knowledgeable and it’s becoming easier to get coverage at a decent rate. Shop around and compare life insurance companies to find one that offers a policy in line with your budget and your needs.
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