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.

Request Your PTSD-Related Life Insurance Quote

Click here to complete our confidential quote request form

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.