Can You Be Denied Life Insurance Due to Mental Health?

Shawn Plummer

CEO, The Annuity Expert

Possibility of Denial Due to Mental Health

Yes, you can be denied life insurance due to mental health conditions. This typically depends on the severity and history of your mental health issues.

Criteria for Approval

  • Well-Controlled Condition: Insurers look favorably on conditions that are well-managed.
  • Regular Doctor Visits: Demonstrating consistent medical follow-up is crucial.
  • Adherence to Treatment: Following doctor’s orders and treatment plans is essential.

Factors Influencing Insurance Decisions

  1. Type of Mental Health Issue: Certain conditions are viewed more critically than others.
  2. History of Hospitalizations: Frequent hospitalizations may impact the insurer’s decision.
  3. Medication Stability: Long-term stability on medications can be a positive sign.
  4. Overall Health: General health apart from mental health is also considered.


  • A person with well-managed anxiety, regularly visiting a therapist, and stable on medication might be approved.
  • Conversely, someone with a recent history of severe depression and multiple hospitalizations might face challenges.


While a history of mental health issues can lead to denial, many factors like control, treatment adherence, and overall health play a role. Ensuring regular follow-ups and treatment adherence can improve your chances of approval.

Contact us today for a free quote.

Request A Quote

Get help or a quote from a licensed financial professional. This service is free of charge.

Contact Us

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

Scroll to Top