Written by Cory Levine, Life Insurance Expert ✅
Founder of The Life Insurance Professionals · Licensed since 2018 · Boca Raton, FL, serving families nationwide
Editorial disclosure
This article was written by Cory Levine, a licensed independent life insurance agent, for general education. It is not financial, tax or legal advice. Cory may earn a commission if you buy a policy through him, and that never changes what he recommends. Rates, benefits and availability vary by company, state and underwriting.
Helping families since 2018. Content follows our editorial standards to protect consumers.
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Cory Levine is an independent life insurance agent in Boca Raton, Florida, serving families nationwide. After losing his wife in 2017 and raising his children on his own, he helps families compare term life with living benefits, indexed universal life, permanent coverage and annuities, with honesty and no pressure. Read Cory’s full bio
Usually, yes. Many people with anxiety or depression get life insurance, and those with mild, well-managed symptoms often qualify for standard rates or better. Taking medication or seeing a therapist usually isn’t a problem on its own. What matters most is how severe it is and how stable you’ve been.
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A lot of people never apply because they’re worried a diagnosis will be held against them. That worry keeps families unprotected for no reason. Underwriters see anxiety and depression every day.
You’re far from alone. The National Institute of Mental Health estimates that in 2022, 59.3 million U.S. adults, about 23%, had a mental illness.
Want to see your rate? Get a quote in about 2 minutes →
Why this matters for your family
I lost my wife in 2017 and have raised my children on my own since. I know grief, stress and hard seasons firsthand. Getting help for your mental health is a strength, and it shouldn’t stand between your family and the protection they need.
What underwriters look at
- Diagnosis and severity. Mild, situational anxiety or depression is viewed very differently from severe or complex conditions.
- Treatment. Medications, therapy, and how well your treatment is working.
- Stability. How long you’ve been stable, and whether you’ve had recent changes in medication.
- Daily life. Whether it has affected your ability to work.
- Hospital stays. Any inpatient treatment, and how long ago it was.
- Substance use. Alcohol or drug use is looked at closely alongside mental health.
How it affects your rate class
As a general guide (every company is different):
- Mild, well-controlled, working normally, on one medication or none: Preferred or standard rates are often possible.
- Moderate, managed with treatment, stable for a while: Standard rates are common.
- Severe, recent hospital stay, or not working because of symptoms: Expect a higher rating, or a postponement until things are stable.
Companies treat mental health very differently, so one company’s standard can be another’s preferred.
Which type of coverage fits?
Term life insurance usually gives the most protection for the lowest cost while your family depends on your income. See term life insurance with living benefits and real prices for your 40s and your 50s.
Indexed universal life (IUL) can protect your family for life and build cash value that’s protected from market losses by a 0% floor. See how IUL works.
If traditional coverage isn’t available yet, simplified or guaranteed-issue policies can fill the gap. Guaranteed-issue plans usually have a waiting period, so they’re best as a backup, not a first choice. Read Is guaranteed issue life insurance worth it?
5 ways to get a better rate
- Stay on your treatment plan. Consistency shows stability.
- Know your details. Your diagnosis, medications, dosage changes and how long you’ve been stable.
- Keep up with your doctor or therapist. Regular care is a positive sign, not a negative one.
- Be completely honest. Prescription records are checked. Surprises cause problems.
- Work with an independent agent. I can point you to companies that treat your situation fairly.
Managing other conditions too? Read about high blood pressure, sleep apnea and smoking or vaping.
Find out which rate you’d likely qualify for, privately.
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Frequently asked questions
Does taking an antidepressant raise my rate?
Not necessarily. Many people on a single medication for mild to moderate symptoms still qualify for good rates.
Does seeing a therapist hurt my application?
No. Therapy is a normal part of care, and it often shows you’re managing your health well.
Should I wait to apply?
If you just started or changed treatment, a few months of stability can sometimes help. If you’re stable now, there’s usually no reason to wait.
Do I have to answer mental health questions?
Yes. Applications ask, and prescription records are reviewed. Honest answers protect your family’s claim.
How much life insurance does my family need?
The free life insurance calculator gives you a starting number in about two minutes.
If you’re struggling right now, you can call or text 988, the Suicide & Crisis Lifeline, any time.
Find out what you qualify for, before you apply
Tell me about your situation privately, and I’ll tell you honestly where you likely stand before you apply anywhere. No pressure, no dozen applications.
📅 Schedule a free, no-obligation call with Cory →
Prefer to talk now? Call 561-542-8610.
This article is for general education only and isn’t medical, legal or tax advice. Coverage, rates, rate classes and living benefit availability depend on the insurance company, the policy, your state and your individual underwriting. Guaranteed-issue policies typically include a waiting period before the full death benefit is payable.
Source: National Institute of Mental Health, Mental Illness statistics (2022 data).
The Life Insurance Professionals · Cory Levine · Life insurance in Boca Raton, FL, serving families nationwide
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I’m Cory Levine, an independent agent and a widower raising my children. I know what the right policy means to a family. I compare top-rated companies, not just one, to find you honest options: coverage that protects your family, living benefits you can use while you’re alive, and income you can’t outlive.
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About Cory Levine
Cory Levine is an independent life insurance agent and founder of The Life Insurance Professionals, based in Boca Raton, Florida and serving families nationwide. Licensed since 2018, he has helped hundreds of families protect what matters most. After losing his wife in 2017 and raising his children on his own, he knows firsthand what the right coverage means to a family. Guided by his faith, Cory treats every family he helps as a responsibility, not a sale, with honesty, transparency and no pressure. He compares top-rated companies to find honest options: term life with living benefits, indexed universal life, permanent coverage, and annuities, including 401(k) rollovers and retirement income you can’t outlive. Florida License W526357.
“Do nothing out of selfish ambition or vain conceit. Rather, in humility value others above yourselves.” — Philippians 2:3 (NIV)
