Life Insurance with PTSD [This Is How You Can Be Approved]


life insurance with ptsd, soldiers

Life Insurance With PTSD. Options, Free Instant Quotes, and Tips


Life Insurance with PTSD can be a difficult task at times.

Although, it shouldn’t be. Life insurance with PTSD is still possible and can definitely be affordable. It depends on many circumstances. 

PTSD has been a growing issue across the globe over the past few decades.

Many War veterans, military personnel, law enforcement personnel are often impacted by PTSD.

At Good Life Protection, we are used to handling cases for individuals battling PTSD.

Yes, it can take a little more legwork but that’s no reason not to look into purchasing life insurance coverage.

In fact, one of the best things you can do to get ahead of the game is to compare rates with over 50 of the top-rated life insurance companies. Especially battling PTSD.

It’s also easy to do.

You can use our free life insurance instant quote tool below to compare your rates with top-rated life insurance companies.

It takes about 10 seconds and can give you an idea of where you may land and what you need to budget for.

Life Insurance With PTSD

Life Insurance with PTSD needs a bit of TLC and for us to change the common misconception individuals have when applying for life insurance with PTSD.

It’s sad that many individuals likely never pursue coverage when you have a much better chance at approvals than you may believe.

Life insurance with PTSD simply needs a high-risk life insurance broker who can handle and effectively shop your case with dozens of life insurance companies.

This is one of the primary reasons we recommend using the instant quote tool above to compare rates so that you have a rough idea at what life insurance may cost you.

Always remember, however, that life insurance rates that were displayed above are subject to be higher in some cases and in some situations your life insurance with PTSD may even result in lower prices than what you have seen on other websites.

It really just depends and it’s what the rest of this post is designed to educate you on.

Here is what you need to know.

Will PTSD Disqualify Me For Life Insurance?

This is a question we hear all the time from individuals who have suffered from PTSD from either serving our country or some other form of a traumatic event.

So, will PTSD disqualify me for life insurance? No, PTSD does not disqualify you for life insurance. Your approvals and overall premiums charged will be based on several factors such as medications currently being taken, alcohol and substance abuse and your overall health.

Read that again in case you need the reassurance. PTSD does not disqualify you for life insurance. In fact, it’s something we handle often and a very common issue in the United States and worldwide.

If you hang around for a few more minutes, we are going to cover the ins and out of PTSD and life insurance and attempt to cover everything you need to know about the subject.

Here are the Details.

Life Insurance For PTSD Overview

PTSD is considered high-risk life insurance in some situations in the eye of the life insurance companies and typically gets categorized into the category of various mood disorders.

Luckily, we have a vast knowledge of PTSD and how life insurance companies will view it and can get you approved for rates better than you expect.

Our goal at Good Life Protection is to provide you with valuable information about life insurance with PTSD and make this task as easy as possible to get your family secured with life insurance coverage.

Life insurance with PTSD can be an easier task depending on how you choose to handle it and who you decide to work with.

For now, let’s break down take an in-depth look at PTSD as well as life insurance for PTSD and what it means for you and your family moving forward

Why is Life Insurance For PTSD So Daunting?

When searching for the best life insurance for PTSD it’s important to understand how life insurance companies view PTSD and what PTSD is in their eyes.

Here are some of those details.

Posttraumatic Stress Disorder (PTSD) is also referred to as shell shock.

Or even, “Combat Fatigue” dating back to World War 2.

Here are a few things individuals with PTSD often experience.

Reliving the event- Re-creating what happened.

The trauma that affected you continues to surface and replay over and over.

Social Anxiety OR avoiding Social Triggers that cause you to have reliving memories.

Social Anxiety- Perceiving yourself in a negative way or carrying guilt or blame.

Old activities and hobbies no longer carry the same joy and relief they used to for you.

Constantly on edge or anxiety-filled. Irritable, easily startled or frequently turning to alcohol and drugs as a fix.

Life Insurance is by far not in your top priority considering all other problems PTSD is causing in your everyday life but securing life insurance with PTSD needs to become a top priority for you and your family.

Not securing coverage for your loved ones is a dangerous game to play.

Especially since you are being made well aware that you have options if you trust an independent life insurance agency with access to the top-rated life insurance companies to represent you and find you the best options possible.

We do however understand where you are coming from and know that other common struggles present with PTSD such as the following.

Some people even experience:

  • Depression, anxiety, and in extreme cases- Suicide Attempts
  • Alcohol and Drug Abuse
  • Trouble maintaining one steady place of employment
  • Family and relationship problems
  • Shame and Despair

How is PTSD Treated and How Does This Impact Life Insurance

PTSD can be treated in several different ways. It depends on the individual and the circumstances.

Often, life insurance companies like to know how PTSD is currently being treated.

This is a primary way of deciding what rates to offer or even to approve the policy at all.

Let’s look at the common ways PTSD is being treated.

Prescription medication is the most common way of treating PTSD.

This is one area life insurance companies are wanting to know about.

Life insurance carriers have what is called, “RX prescription checks.”

They check on applicants to verify what prescriptions are being filled and currently being taken.

Also, prescriptions that have been prescribed in the past.

Medications can be a big factor in your rates and chances of approval for life insurance.

Do Other Treatment Methods Impact Life Insurance For PTSD?

Psychotherapy- This can be broken down into a few different subcategories.

Cognitive Processing Therapy (CPT) – This is where you work through your feelings and negative thoughts on the prior event.

The idea behind this is to change perception.

If you can convince yourself to feel differently about the event that has occurred, experts believe you have a chance of overcoming the PTSD symptoms.

Prolonged Exposure (PE) – This is the, “beat the dead horse” method.

You continue to walk and talk through your experience until you can overcome the traumatic experience.

Experts believe that if you use this method, you will begin to view it as NOT so traumatic.

Then you can begin returning to everyday life at some point in the process.

Neither of these methods is the deciding factor on the life insurance with PTSD approval processes, or the rates you achieve.

Underwriters will want to know how the PTSD is being treated.

Also, with what form of a physician you are seeing to overcome the symptoms.

How Medications Impact Life Insurance With PTSD

Medicating PTSD has shown to be effective over the years.

The effectiveness of treating systems with certain prescriptions has shown to decrease symptoms.

Also, making the PTSD more manageable.

Neurotransmitters release different amounts of chemicals for everyone.

This can increase or decrease the severity of the PTSD.

The goal is to treat and manage with the medications that fit the individual’s needs.

Sometimes, one medication will help re-balance the chemistry in one’s brain.

Although, sometimes it does not work that easy.

  • SSRIs
  • SNRIs

These are the two most common methods of treatment for PTSD. Also, the most used forms of medication.

In most circumstances, the severity of PTSD will determine which medications and treatments are needed.

Sometimes a low dose of one medication will take care of the symptoms.

Sometimes it will take many medications, or trial and error to help treat the symptoms.

Your life insurance rates with PTSD may be affected depending on your medications to help treat the symptoms of PTSD.

Outside of the SSRI’s and SNRI medication, there is another group of medication that classifies into the antidepressant category.

Outside of these categories, you have other forms of medications you may be taking such as:

  • Mood Stabilizers
  • Antipsychotics
  • Beta-Blockers
  • Benzodiazepines

The Severity of the Disorder and How It Impacts Life Insurance with PTSD

When shopping for life insurance with PTSD…

Life Insurance carriers like to see how a condition is being treated and how stable it is. Life insurance carriers find it important to know how many medications it takes to control the condition.

Often, it takes more than three medications to control a condition. The rates can become affected more if this is the case.

One of the biggest problems PTSD poses for individuals seeking life insurance is that it is often linked to major depression.

Life insurance for people with PTSD feel the impacts of this if they come back declined or with a high premium than expected.

The carriers want to dig into your history, so it is important, to be honest about the condition and its severity.

If you have prior suicide attempts, it is going to be more difficult to get life insurance coverage. Although, it is not impossible.

There are several different insurance carriers that exist.

There is also offer different levels of coverage and extra “perks” within the policy. If you fit the criteria to be able to openly shop all insurance carriers you need to take advantage of it.

Speak with an agent who represents many of the life insurance companies.

Also, one who can find you a comprehensive life insurance policy.

Different life insurance policies offer a wide variety of options such as-

These policies may be available to you even if you have PTSD.***

  • Living Benefits
  • Special Riders such as Children’s Riders, Waiver of Premium and Long-Term Care Riders
  • Accidental Death Riders

I have handled several cases and different variations of life insurance for people with PTSD over the last half-decade.

Let me share a few experiences of the differences in how a case may be viewed by the life insurance carrier.

I want to give you an inside look at a case that went very smooth and a case that did not go nearly as well.

A Case Study For Life Insurance With PTSD

The result- Declined and 37 Days in Underwriting

I was contacted by an individual seeking his first life insurance policy since being discharged from the Marines.

He was a male – age 48.

This individual was overall in good health.

  • Non-Smoker
  • No Family history of heart trouble, cancer or stroke
  • Average build (height and weight) 6 Foot 1- 212 LBS

Overall, if we exclude the PTSD he would have most likely been looking at preferred rates.

After all, he met all the criteria needed to do so.

The wildcard became the PTSD.

This is where obtaining life insurance with PTSD can be a little tricky.

The client informed me he had PTSD, which is an initial good first step.

He disclosed he was diagnosed four years prior and was currently taking one medication for sleeping purposes to control the symptoms.

He had been on the same medication for 18 months which is usually long enough to show its stability.

Also that you are not going back and forth between medications trying to find the correct fit.

I documented it and then walked him through the next steps and what to expect.

The case was going very smooth and then the life insurance carrier wanted to order what is known as the “APS” form.

The APS form is known as the “Attending Physician Statement”.

This form allows the insurance company to verify all relevant medical information with your primary physician.

Also, to see the case with more clarity.

During all my conversations with this client so far, it was the one medication, the formal diagnosis, and seemed to be controlled.

In my head, I was thinking this was going to be an easy wrapped up case.

Boy was I wrong! I received the email notification the following day.

The client had been declined. In my head, I am thinking, “how did this happen?”

Well, let’s just say the client lacked full disclosure with me.

Come to find out, the PTSD was about twice the severity and the client was abusing alcohol.

Other medications was also a factor in his treatments to control the PTSD.

The most frustrating part was…. the client not disclosing this information upfront.

Life insurance for people with PTSD doesn’t need to be overly difficult.

Just be upfront about it and we can help you secure great rates for life insurance even with PTSD!

Knowing this information prior would have left more options than the room to wiggle after being declined.

The thing to understand or take from this is that your life insurance agent wants and can help you. Especially, Independent Insurance Agents who have many options.

Transparency is the only way for the life insurance agent to be able to help effectively.

Sometimes, it takes a well-crafted cover letter and explanation to underwriters, to help get a policy approved.

It can go a long way to help the cause.

In this situation, I was left in the dark so not much I could do

Status Check- Declined life insurance due to PTSD

A Second Case Study For Life Insurance With PTSD

The result- Approved in 26 Days

As you can already see, this case went a bit faster.

The surprising part of it was……this individual had more issues and complications related to the PTSD.

Again and I can’t say it enough.

Life insurance for people with PTSD doesn’t need to be overly difficult.  Just be detailed and honest about the situation.

This client was younger – Age 37 and a smoker.

This individual had PTSD diagnosed after serving 2 tours in Iraq.

The PTSD itself was not considered severe but it was at best “mild”.

It did need an anti-depressant that the client was stable on for over one year with no medication changes.

The client also required the use of sleep aid and was briefly on a mood stabilizer.

After trying the mood stabilizer 24 months prior, the client had adverse side effects. The client then discontinued the use of this medication.

This all needed to be well documented to line up with the RX report that the Life Insurance carrier will reference.

A Side Note About Life Insurance With PTSD

The RX report is a report the Life Insurance company will reference to check past or current prescriptions. 

This is why life insurance for people with PTSD requires honest and complete transparency to get the case approved.

Without a detailed explanation of the situation, the RX report can cause cases to be declined.

This client again met the profile for preferred ratings under all circumstances.

All minus the PTSD and medications. The height and weight were both within range and all health considerations were normal. It looked to be easy and approval-worthy.

The PTSD needed some further documentation and explanation. This did, of course, impact the rating.

Someone who recognizes the importance of life insurance is usually willing to absorb higher premiums. This is for the peace of mind protecting their family.

It is usually easy to tell who is and who is not willing to do so.

This client, due to the transparency and documentation of the application process, was able to get approved for $500,000.00 in coverage.

Which was only about $41.00 dollars per month higher than standard ratings.

This is a win in my book.

The point I am making is that transparency and the commitment of knowing and wanting the protection are the most important steps.

Without it, a decline is most likely not going to be avoided.

With it, something can most likely be accomplished.

You should not feel like you cannot get life insurance coverage or that it is it not possible.

So can you get life insurance with PTSD?

Absolutely and the case above should emphasis this heavily.

What are the Options for Life Insurance with PTSD

No Exam life insurance is always a viable option to gain life insurance coverage, but when is it best to implement it?

Typical no exam life insurance will serve its purpose best under a few different circumstances:

  • Have you not seen a physician in the past 2 years?
  • Are you in a time crunch or need coverage fast?
  • Are you timid of medical exams, blood draws or blood pressure cuffs?

All these are typical reasons I see people opt to buy no exam life insurance. 

How Does No Exam Life Insurance For PTSD Help Me?

Well, the first thing to know is that no exam life insurance for people with PTSD does still pull records in regards to your medical and prescription history.

Transparency is still as important.

The life insurance carrier will still run the RX (prescription check and MIB) information on you.

Most of the time the information revealed is the same as doing the life insurance exam.

The only true difference is the following.

  • No actual physical exam or examiner sent to you
  • Faster- express issue or simplified issue approval times

Besides that, they act very similarly to traditional life insurance options and fully underwritten policies.

If you have PTSD that is well controlled, with minimal medications, but you have not been to your doctor as much as you should have been, no exam life insurance may be a great option for you.

If you are in a time crunch or wanting fast approval, it can also be a great option.

Will PTSD Disqualify you for life insurance?

Absolutely NOT!

I get it and we hear it all the time from clients.

Clients always wonder what they are supposed to do if they can’t get approved for life insurance.

Fully underwritten life insurance still serves a huge purpose in the life insurance industry.

Clients who need to be detailed about past medical conditions or can perform an exam should lean on fully underwritten policies.

They also allow for cheaper rates if you can get the high classes for health standards. The common upside to fully underwritten life insurance policies are:

The Pros of Fully Underwritten Life Insurance For PTSD

  • Possibly cheaper rates
  • Better chance of approval on borderline cases

Cons of Fully Underwritten Life Insurance For PTSD

  • Yes, you will have a blood draw
  • Lengthy process- typically can take 4-8 weeks for approval
  • Always possible your rates come back more expensive

Guaranteed Issue Life Insurance with PTSD

So maybe you have PTSD and you also have other health concerns or issues.

Maybe your PTSD is so severe that you cannot get approval through no exam or fully underwritten life insurance. You always have the option to turn to Guaranteed issue life insurance.

Plenty of Insurance carriers offer these policies.

They still allow you to protect your family and cover final expenses.

American General Life Insurance is known to offer one of the best available.

Currently, with the American General Guaranteed Issue policies, you can be approved for coverage with no medical questions asked, and be credited 10% interest earned during the waiting period.

This is a huge benefit that’s often ignored when individuals are shopping for the best life insurance rates with PTSD.

Sorry to break it to you but USAA Life Insurance is not always going to be a veterans best option for coverage after PTSD.

If you need further information about your options with USAA, be sure to use the blue link above.

I know they have the reputation for being great for offering life insurance to military veterans but captive life insurance companies such as USAA, State Farm or even Farmers Life Insurance just can’t offer you the ability to choose between many life insurance companies.

This makes effectively navigating and finding the best prices for your life insurance can become difficult when you box yourself into this kind of corner.

Additionally, be sure never to use online streamlined processes when shopping for life insurance with PTSD.

Companies and marketing agencies such as Ethos Life Insurance are known to promise quick approvals and cheap rates but when your electronic check comes back with medications and other health issues, you will begin running into issues.

You see, these platforms aren’t designed to handle high-risk medical conditions like Good Life Protection or other Independent agencies can handle.

They don’t have the options and simply don’t partner with enough life insurance companies to give you the best pricing and options.

Avoid them at all at cost. Anyway, back to the benefits involved with no medical question asked life insurance policies.

Some of the major upside of these policies

Pros of Guaranteed Issue Life Insurance for PTSD

  • No questions asked- no invasive medical background checks
  • Fast approval and guaranteed approval
  • Still affordable but can be a little more costly
  • Whole life policies typically are guaranteed death benefit to age 121

Cons of Guaranteed Issue Life Insurance For PTSD

  • 2 year waiting period for full benefit payout
  • Prices can be inflated higher than traditional policies
  • Limited company options compared to other avenues

Best Life Insurance and Guaranteed Issue Life Insurance with PTSD

(These are listed in order of my rankings)

  1. AIG Guaranteed Issue Whole Life
  2. Gerber Life Insurance
  3. Great Western Life Insurance

PTSD For Law Enforcement and Life Insurance

PTSD for Law Enforcement is a growing concern in the law enforcement profession.

In addition to military personnel who face the struggles of PTSD on a more frequent basis than we would like to admit.

A lot of the driving health concerns law enforcement face tie together.

Law enforcement personnel such as police officers suffering from PTSD may have other dangerous habits forming.

Life insurance for police officers is one of the common professions that may result in individuals searching for life insurance with PTSD.

Even firefighter life insurance can quickly turn into a PTSD case depending on the calls and things you have seen in your career.

PTSD FOR LAW ENFORCEMENT and Police officers,

The unfortunate truth is PTSD is usually complemented with other major issues.

Making it more difficult to pursue life insurance.

Substance abuse usually plays hand in hand with PTSD.

Major depression and other anxiety disorders can also be a piece of the puzzle.

The good news?

You can still get affordable coverage with PTSD.

Be transparent with your agent.

Work with an Independent Agent to get the Best Rate!

Final Word, Life Insurance With PTSD is 100% Possible

The main take away I was trying to emphasize is that life insurance with PTSD is completely possible.

Life insurance for people with PTSD needs to stop being avoided.

It will not disqualify you from life insurance coverage.


Is Life Insurance with PTSD as easy as 1,2,3? 

Maybe not but it’s not all that crazy difficult either.

Give it a chance.

It is not all that difficult depending on the circumstances. You will not ever know without speaking to an agent about it.

You must be willing to be transparent and open about the condition and medical background.

It is the only way the agent can effectively help you protect your family.

Having PTSD is a reason to make life insurance more of a priority.

Your family may depend heavily on the supplement income and debt elimination.

Do not shy away from coverage because you have been diagnosed with PTSD or think you may have PTSD.

An Independent Agent will be able to navigate and bid options for you.

They can work to put together a comprehensive plan for you and your family.