Simple Guide For Life Insurance With PTSD In 2025
Written by Daniel Ray, Life Insurance Expert |
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Fact Checked by
Lisamarie Monaco |
Editorial Disclosure
If you are looking for a life insurance with PTSD, you’ve come to the right place!
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 must offer coverage by law, regardless of mental disabilities.
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Life Insurance For PTSD
First And Foremost… To Our Veterans, Thank You For Your Service To Our Country!
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 ask a series of questions before approving you 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, a diagnosis of mild PTSD, combined with no history of hospitalizations or suicide attempts, qualifies you 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 For Disabled Veterans
Service-Disabled Veterans’ Insurance (S-DVI) is life insurance provided to veterans who receive a service-connected disability rating from the Department of Affairs.
Disabled veterans who apply for S-DVI and receive a waiver may be eligible for up to $30,000 in additional coverage.
What Are The Best Life Insurance Companies For PTSD
What is the best life insurance for veterans with PTSD? Prudential.
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.
SGLI, or Servicemembers’ Group Life Insurance, is a program established to provide low-cost term insurance to military personnel during their active service. Active retired, and honorably separated officers qualify for USAA.
USAA Declined Life Insurance
You may face a decline in your life insurance application if you have a severe PTSD diagnosis.
In fact, availability is limited. 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 and must meet the Blue Book listing requirements to be approved as an “anxiety disorder.” If your post-traumatic stress disorder (PTSD) prevents you from working, you may be eligible for Social Security Disability.
PTSD Table Rating Life Insurance
For a fully underwritten life insurance policy involving PTSD, insurers will categorize your diagnosis under mood disorders, which include Bipolar Disorder, 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.
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Conclusion
It’s indeed possible to obtain life insurance with PTSD made simpler. If you have post-traumatic stress disorder, don’t let the fear of being uncovered for this condition deter 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.
