2023 Life Insurance With Obsessive-Compulsive Disorder (OCD) - PinnacleQuote

2023 Life Insurance With Obsessive-Compulsive Disorder (OCD)

If you’re a senior consumer and have been diagnosed with OCD, life insurance might not seem like the best option for you- after all, who wants to think about death? But if you are unable to work due to your condition or are in a situation where your family’s financial security would be put at risk without this coverage, it is important that you take steps now.

The first step is figuring out what type of policy might suit your needs. The two most common types of policies available are whole life and term life. Term life will only cover individuals for as many years as they choose on their plan (typically 10+), while whole-life guarantees coverage until an individual reaches age 90 or dies in the event of a terminal illness.

Can I Get Life Insurance With Obsessive Compulsive Disorder (OCD)

How does obsessive-compulsive disorder (OCD) affect a person’s life insurance? Does insurance cover OCD?

First, let’s begin by saying people with OCD have intrusive thoughts that they cannot control.

Mental illnesses are pre-existing conditions, and many life insurance plans will look at you differently.

Furthermore, there is “no one size fits all” with anyone’s mental health conditions.

OCD and life insurance

OCD Life Insurance Underwriting Questions

How Does OCD Affect an Application For Life Insurance? The following are some questions the insurance carrier and underwriters will want to ask.

In fact, they are not limited to these questions. Medical records may be ordered.

Equally important, be honest on your application.

Your independent agent will guide you through the entire process and will get you the most affordable rates possible!

  • When were you diagnosed with your mental illness?
  • Is your mental illness under control?
  • Do you have a psychiatrist? 
  • How often do you get help for your condition?
  • Have you been hospitalized for your mental illness condition?
  • What medications are you currently taking for your mental illness? 
  • Lab test results?

Best Life Insurance Companies for Obsessive Compulsive Disorder

Ultimately, your mental disorder itself in most cases is not the issue. Life insurance carriers will want to know how maintained your condition is.

Also, they will want to know if you have other medical conditions or impairments that could also cause a higher risk for them.

Prudential Life Insurance

AIG (American General Life Insurance Company)

Types Of Obsessive Compulsive Disorder (OCD)

There are two main types to break down OCD.

As a matter of fact, both types are anxiety disorders that are unwanted thoughts.

With any compulsive disorder, you experience doctors today are very effective in treating your medical condition.

Some compulsive behaviors are more obsessive than compulsive.

In fact, the following is a short OCD disorders list.

OCD and life insurance
Obsessive-Compulsive Disorder and Life Insurance

Obsessive thoughts or habits:

  • fear of being dirty or getting germs on themselves
  • people need items to place in a particular order

Compulsive habits ~

  • repeatedly checking something multiple times (door locks, lights, etc.)
  • counting items repeatedly
  • fear of touching particular objects or things in public places (handshaking, doorknobs, etc.)
  • wash your hands a certain amount of times

Best Medicine For OCD and Anxiety  

Many physicians and psychiatrists will prescribe antidepressant medications approved by the FDA. Such as Prozac, Paxil, and Zoloft, to name a few.

However, some may try cognitive behavioral therapy first.

OCD and medication
Best Medicine for OCD

What is the best way to treat OCD? Many patients or their family members want to see their loved ones try natural therapies first as so many medications these days have several side effects that we all want to avoid.

What is an example of cognitive-behavioral therapy? Indeed, your therapist will work with you to maintain and control your thinking patterns.

With this in mind, to remove or limit negative thinking with positive thoughts.

Keep in mind; there is no cure for obsessive-compulsive disorder (OCD).

Over time, your symptoms will be under control and may decrease.

OCD life insurance rates
OCD and Life Insurance

What Type Of Doctor Treats OCD 

Who treats OCD? How to talk to your doctor about OCD? Your family physician can help in diagnosing you. Given, that, they will want to do a physical exam.

Likewise, depending on the severity of your illness, some family doctors may refer you to a psychiatrist.

Above all, be honest with your symptoms; this is the best way to get the help you need.


This is what it’s like to have OCD. It can be a difficult condition, but with the right life insurance policy in place, you don’t need to worry about not being there for your family and loved ones when they need you most!

If you’re interested in getting coverage specifically tailored to address issues surrounding mental health conditions such as obsessive-compulsive disorder, get a quote from us here at Life Shield today.

We’ll help find the best plan that fits all of your needs so that none of this has ever been easier than before. And if we happen to come across any plans or policies specifically towards people who suffer from disorders similar to yours?

PinnacleQuote Life Insurance Specialists

Call us today to get the most affordable rates for obsessive-compulsive disorders (OCD).

Certainly, we will know the best A+ rated carriers, and we specialize in all health impairments. (855) 380-3300.

For more information on Obsessive-Compulsive Disorders (OCD), CLICK HERE.