Can I get life insurance with depression or anxiety?

The underwriting questions are about stability rather than the diagnosis itself: date of diagnosis, current treatment, medication and dosage, whether the dosage has changed recently, and whether there have been hospitalizations, suicide attempts, or extended disability leave. A long-standing condition managed on an unchanged medication is the straightforward case.

Carriers also consider the medication. Some antidepressants and anti-anxiety medications are viewed neutrally, while certain combinations or a history of frequent changes draw more scrutiny. Because prescription databases are checked, the medication record is part of the file regardless of what the application states, so accuracy matters.

Be complete and precise about dates, dosages, and any hospital history. Leaving a gap that underwriting discovers through the prescription database is worse than disclosing it up front, because a material misstatement can affect a claim later. If a rating or a delay comes back, the answer is usually to present the same history to a carrier with a more favorable appetite for mental health histories.

Many Texas applicants in this category are approved as standard, and even a mild table rating is a workable outcome rather than a denial. It helps to have the treating provider's notes available showing the condition is stable and controlled.

Simplified-issue policies are a strong fit here because they approve on health questions and database checks without a paramedical exam, and they do not require lab work or a detailed medical interview. Face amounts are lower than fully underwritten limits, but approval is faster and the process is less invasive. For applicants who would rather not sit through a medical interview about their history, that is often the deciding factor.