Simple Guide For Life Insurance With PTSD In 2023 - PinnacleQuote

Simple Guide For Life Insurance With PTSD In 2023

I’m going to be blunt with you. I want to share my story and the story of many others like me who have PTSD. My hope is that this post will help someone find a way to live life after traumatic experiences.
I was in Iraq when our convoy hit an IED (improvised explosive device).

The explosion had caused me to lose hearing in one ear, and I suffered from PTSD for years afterward.

It took years of therapy before I could even get up on a stage and speak about it- but today, if you need life insurance because of something like PTSD or any other mental health condition, we made things easy for you! Life insurance providers are required by law to offer coverage regardless of your mental disabilities.

Life Insurance For PTSD


What is PTSD? Post Traumatic Stress Disorder. People who suffer from PTSD have experienced a traumatic episode or event in their life.

Such as:

  • War
  • Violent personal act /sexual assault
  • Terrorist act
  • Natural disaster

PTSD is an anxiety disorder. You can feel anger, depression, sadness, irritability, exhaustion. PTSD can affect your nervous system, immune system, physical symptoms.

In the eyes of the insurance carrier, PTSD is a pre-existing condition such as anxiety and depression, Eating disorders, Mental illness, Obsessive Compulsive Disorder, etc.

Will I qualify for life insurance with PTSD? Short answer, Yes. However, working with an independent agent at PinnacleQuote is best.

Your independent agent will make the application process simple.

In fact, he/she will shop you to over 50+ carriers in one simple phone call.

Life Insurance With PTSD

PTSD can be chronic lasting several months or years.

If you have no interruption from work or social functions or activities, PTSD and life insurance coverage will be easier to obtain.

Your independent agent will ask you about your medical condition, your medical history.

Medical underwriters will have a series of questions before you are approved for life insurance. They will want to access if you are high risk and will require a medical exam as well. ‘

Life insurance PTSD. Some questions underwriter will ask:

  • When did you develop PTSD?
  • Are you currently taking medications for your PTSD?
  • Do you seek treatment from your doctor?
  • Have you seen a psychiatrist?
  • Have you had thoughts of suicide?
  • Is your condition mild or severe?

Best Life Insurance For PTSD

In the best-case scenario, if you have had no hospitalizations, no history of suicide attempts, and you are diagnosed with mild PTSD, you will qualify for a standard rate class.

Your life insurance options will depend on the severity of your PTSD. While speaking with your independent agent, he will gather information from you to determine the best possible outcome.

Standard to standard + or a possible table rating to a decline.

If you are declined traditional life insurance, do not fret! You will qualify for a guaranteed acceptance policy. No medical questions were asked.

It is a two-year waiting period, however, something is better than nothing!

Let’s cross that bridge if need be.

Life insurance and PTSD
Post Traumatic Stress Disorder

Life Insurance For Disabled Veterans

What is service-disabled veterans’ insurance (S-DVI)? This is life insurance for veterans who have been awarded a service-connected disability rating by the department of affairs.

If disabled veterans apply for S-DVI and are granted a waiver, they could receive up to $30,000 additional coverage.

What Are The Best Life Insurance Companies For PTSD

What is the best life insurance for veterans with PTSD?


AIG (American General Life Insurance Company) Guaranteed Acceptance policy with a 2-year waiting period.

USAA Life Insurance

USAA life insurance will replace your SGLI with a term policy.

(What is SGLI? SGLI was created for our military personnel to provide them with low-cost term insurance during active military service. )

Active retired, and honorably separated officers qualify for USAA.

USAA Declined Life Insurance

You may be declined life insurance if you have a severe PTSD diagnosis.

In fact, there is limited availability.

For qualification, you would need to become a life insurance policyholder. In addition, purchase any of their products and be a USAA member.

You must have served in our military or be related to a military service member.

Long Term Disability Insurance PTSD

Military personnel and veterans can apply for long-term disability.

A disability claim can be submitted. It would have to be approved by the Blue Book listing requirements and be considered “anxiety disorder.”

If your post-traumatic stress disorder prevents you from working, you could be granted social security disability.

PTSD Table Rating Life Insurance

For a fully underwritten life insurance policy with PTSD, your diagnosis will be categorized into mood disorders, Bipolar, Anxiety, and Major Depression.

  • Mild – Preferred to Standard – 1 medication, well controlled, working.
  • Moderate– Standard-Table 3-2 medications (maybe antipsychotic)
  • Severe– Table 3 -Decline – Multiple medications, suicide ideation past six months, bad work history, bad financials.
  • Suicide attempt past 12 months – Decline

How To Get Help For PTSD Without Insurance

Protect the men and women who protect us and our country!

If you or a loved one are suffering from post-traumatic stress disorder (PTSD) there are people who can help.

CLICK HERE for more information.


I can’t believe that it’s possible to get life insurance with PTSD made simple. If you have post-traumatic stress disorder, don’t let the fear of not being covered for this condition stop you from getting a quote or applying for coverage. The vast majority of life insurers will provide coverage for those who suffer with PTSD so long as they meet certain criteria and are under a doctor’s care. Don’t worry about having to deal with another hurdle in your personal journey towards self-sufficiency following an injury or illness; we’ll help make things easier on your end by taking care of everything else! Plus, our rates are super affordable when compared against other providers out there today…so give us a call at (855) 380-3300.