Can You Be Denied Life Insurance For Anxiety?

Shawn Plummer

CEO, The Annuity Expert

Can You Be Denied Life Insurance For Anxiety?

Yes, you can be denied life insurance for anxiety. If the anxiety is severe, it may be considered a high risk by insurance companies, leading to a possible decline of your application.

However, if the anxiety is “situational” or considered mild to moderate and is well-controlled (e.g., through therapy or medication), it generally isn’t a reason for insurers to decline an application.

Each insurance company has its own underwriting criteria, and they assess the severity and management of your anxiety condition when making a decision.

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Factors Affecting Life Insurance Eligibility for People with Anxiety

  1. Severity of Anxiety: Severe anxiety, especially if it impacts daily functioning, can be a concern for insurers.
  2. Treatment and Control: Effective management of anxiety through therapy or medication can positively influence insurance eligibility.
  3. History of Hospitalizations: Frequent hospitalizations due to anxiety can be a red flag for insurers.
  4. Related Health Issues: Physical health conditions related to anxiety can also impact insurance decisions.
  5. Lifestyle Impact: If anxiety significantly affects your lifestyle or ability to work, it can be a factor in the insurance decision.

How to Improve Life Insurance Eligibility with Anxiety

  • Medical Records: Maintain a good record of consistent treatment and control of anxiety.
  • Doctor’s Statement: A statement from your doctor about your condition and its management can be helpful.
  • Lifestyle Choices: Demonstrating a healthy lifestyle can mitigate some risks associated with anxiety.
  • Shop Around: Different insurers have varying policies; shop around to find the most accommodating one.

Related Reading: Does Critical Illness Cover Anxiety?


While severe anxiety can be a reason for life insurance denial, situational or well-managed anxiety often isn’t. It’s important to understand the underwriting process of insurance companies and to present your case effectively. With the right approach and information, securing life insurance is possible even with a history of anxiety. Contact us today for a free quote.

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Shawn Plummer

CEO, The Annuity Expert

Shawn Plummer is a licensed financial professional, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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