Life Insurance for Veterans with PTSD
Veterans living with PTSD often worry about whether they can qualify for affordable life insurance. While some carriers view PTSD as a higher risk, there are many companies willing to offer fair and affordable coverage. At Diversified Insurance Brokers, we specialize in helping veterans navigate the underwriting process so they can protect their families and gain peace of mind.
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We compare 75+ top-rated carriers to find coverage designed for veterans with PTSD.
Can Veterans with PTSD Get Life Insurance?
The short answer is yes. Many veterans with PTSD successfully qualify for term, whole life, or final expense coverage. Approval and pricing depend on factors such as:
- Severity of Symptoms: Mild or well-managed PTSD is generally viewed more favorably than severe or uncontrolled symptoms.
- Treatment History: Ongoing therapy, counseling, or medication can demonstrate stability and improve approval odds.
- Related Conditions: Co-existing health issues like depression, anxiety, or substance use may affect underwriting.
- Hospitalizations: Carriers will ask about past psychiatric care or inpatient treatment.
Specialized Support for Veterans
We understand the unique challenges veterans face and work with insurers that have experience underwriting PTSD cases. For more detailed guidance, visit our dedicated page on Life Insurance for PTSD.
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Use our calculator to see real-time quotes, including options for veterans with PTSD.
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Case Example
A 38-year-old Army veteran diagnosed with mild PTSD applied for life insurance after being declined by a direct-to-consumer carrier. Through our high-risk carrier network, we secured a $250,000 20-year term policy at affordable rates—providing financial security for his wife and two children.
Why Work With Diversified Insurance Brokers?
Since 1980, we’ve helped veterans and their families secure affordable life insurance coverage—even in challenging underwriting situations. With access to 75+ carriers, we’ll find the best options available for your unique circumstances. Learn more about our high-risk life insurance services, explore burial insurance, and see why veterans trust us.
Get the Coverage You Deserve
Book a free consultation today and let us help you secure affordable life insurance tailored for veterans with PTSD.
FAQs: Life Insurance for Veterans with PTSD
Can veterans with PTSD get life insurance?
Yes. Many veterans with PTSD qualify for term, whole life, or final expense coverage. Approval depends on factors like severity of symptoms, treatment history, and related health conditions.
How does the severity of PTSD affect underwriting?
Milder or well-managed PTSD tends to lead to better rates. Severe, uncontrolled symptoms or frequent incidents tend to increase premiums or may require more restrictive policy options.
Does treatment history help or hurt my application?
Ongoing treatment—therapy, counseling, or medication—can help demonstrate stability and improve approval odds. Regular follow-ups and good documentation matter.
Will co-existing conditions impact my premiums?
Yes. Mental health conditions like depression or anxiety, substance use, or other related issues raise risk. Insurers generally review the full health picture, not just PTSD.
Do past hospitalizations or inpatient psychiatric care affect eligibility?
Yes. Underwriters often ask about past psychiatric hospitalizations, inpatient treatments, or crises. The more recent or severe these were, the more they may affect cost or availability.
What types of policies are available for veterans with PTSD?
Veterans with PTSD might qualify for term life, whole life, or final expense policies. Depending on health and underwriting, permanent policies may be possible, especially with mild, stable PTSD.
How can I improve my chances of getting favorable rates?
Maintain consistent treatment, show symptom stability, document therapy or medical support, avoid recent or severe relapses, and choose insurers known to work well with PTSD underwriters.
What if I was previously declined due to PTSD?
A previous decline doesn’t mean no chances elsewhere. Different insurers have different risk tolerance. With stronger documentation or more time since treatment, you might qualify now.
How long does underwriting take if I have PTSD?
It depends on availability of medical and mental health records, treatment documentation, and how many comorbid factors are involved. Better documentation generally shortens the process.
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