Life Insurance for PTSD
Over 100 Carriers to Quote From. Here are a few of them!
At Diversified Insurance Brokers, we specialize in helping clients with a history of post-traumatic stress disorder (PTSD) secure affordable life insurance coverage. With access to over 100 top-rated carriers and decades of underwriting experience, we know how to match your specific situation with the companies most likely to offer competitive rates. Whether your PTSD stems from military service, first responder duties, or other traumatic events, we understand the challenges and can guide you through the process with confidentiality and expertise.
Life Insurance with PTSD
If you’re managing PTSD, it doesn’t mean you’re uninsurable.
At Diversified Insurance Brokers, we specialize in helping clients with mental health conditions secure affordable, personalized life insurance coverage.
Speak with an expert who understands life insurance considerations for mental health conditions.
How PTSD Impacts Life Insurance Underwriting
Life insurance companies assess PTSD applicants carefully, reviewing factors such as:
- Severity and Frequency of Symptoms: Including anxiety, flashbacks, or sleep disturbances.
- Treatment History: Current therapy, counseling, or medication use.
- Hospitalizations: Any inpatient care or crisis intervention related to PTSD.
- Coexisting Conditions: Depression, anxiety, or substance use history.
- Suicidal Ideation or Attempts: Any history will be reviewed closely and may require a stability period.
Who This Coverage Is Best For
- Military veterans or active-duty service members with a PTSD diagnosis.
- First responders exposed to trauma on the job.
- Civilian applicants with trauma-related PTSD.
- Individuals with stable symptoms and consistent treatment.
- Anyone previously declined for life insurance due to PTSD history.
Typical Life Insurance Outcomes for PTSD
- Mild, well-managed PTSD: May qualify for Standard or better rates.
- Moderate symptoms with stability: Often approved with a table rating.
- Recent hospitalization or instability: Coverage may be available after a waiting period.
Each situation is unique—our expertise is in finding the right carrier for your profile.
Why Work With Diversified Insurance Brokers
- Access to 100+ A-rated carriers: More options mean better approval odds and rates.
- High-risk life insurance expertise: We know which insurers are most flexible with PTSD cases.
- Confidential process: Your privacy is our priority.
- Customized solutions: Term, whole, and universal life options tailored to your goals.
Example Case
A 38-year-old military veteran with moderate PTSD, stable for 5 years and in ongoing therapy, had been declined by two major insurers. We connected them with a carrier experienced in military and PTSD underwriting, resulting in approval for a $500,000 20-year term policy at a Standard Plus rate—saving over $750 per year compared to their initial quotes.
Take the next step: Complete our secure PTSD life insurance request form today and let us find your best coverage options.
FAQs: Life Insurance for PTSD
Can you get life insurance if you have PTSD?
Yes. Having PTSD does not automatically disqualify you. Many people with well-managed PTSD secure coverage, depending on symptom severity, treatment history, and stability over time.
What underwriting factors do insurers consider for PTSD?
Insurers typically review symptom severity and frequency, treatment details, any hospitalizations, coexisting mental health conditions, history of suicidal ideation or attempts, and how stable the condition has been over time.
Will being in treatment (therapy, counseling, medications) help or hurt my chances?
Being in treatment and demonstrating consistency typically helps. It shows you are managing your condition and that there is structure in place for follow-up and symptom monitoring.
Do hospitalizations or crisis interventions affect coverage?
Yes. Recent inpatient stays or crisis episodes tend to increase underwriting risk. There may be waiting periods or higher premiums following such events.
Is there any impact if I’ve had suicidal ideation or attempts?
Yes. Any history of suicidal ideation or attempts will be critically evaluated. Stability since that time and treatment follow-ups will play a large role in the underwriting decision.
What policy types are usually available?
Term, whole life, and universal life are potential options, as well as simplified issue or guaranteed issue in some situations. The more stable and managed your PTSD history, the more options you’ll likely have.
What outcomes can I expect given mild vs moderate vs severe PTSD?
For mild, well-managed PTSD, you may qualify for standard or near-standard rates. If symptoms are moderate but stable, expect possible table ratings. If there has been recent instability, crisis, or hospitalization, there may be waiting periods or limitations.
How long might underwriting take with a PTSD diagnosis?
It depends on how complete your medical records are, whether treatment history is clear, and whether there has been recent crisis or hospitalizations. Some simplified issue policies may move quickly; fully underwritten policies could take several weeks.
How can I improve my chances of getting good rates?
Maintain stable treatment, document counseling/therapy sessions, keep medication consistent, avoid crisis interventions if possible, manage comorbidities, share full medical history, and work with insurers or brokers familiar with mental health underwriting.
What if I was declined before because of PTSD?
A prior decline doesn’t mean you’re out of options. Different insurers have different underwriting criteria, so other carriers might offer coverage. Sometimes simplified or guaranteed issue policies are possible alternatives.
