Can You Get Life Insurance With PTSD?

Life Insurance With PTSD

PTSD is one of the most common conditions among veterans, and it does not automatically disqualify you from life insurance.

What Carriers Look For

• Treatment compliance: Are you regularly seeing a provider?
• Medication stability: Have you been on the same medication for 6+ months?
• Hospitalization: Have you been hospitalized for PTSD? How recently?
• Substance use: Any history of alcohol or substance abuse?
• Daily functioning: Are you working and managing daily activities?

Typical Outcomes

• Mild PTSD, stable treatment: Standard rates at many carriers
• Moderate PTSD, well-managed: Slight rate increase (table 2-4)
• Severe PTSD, recent hospitalization: Limited options but guaranteed issue available

We work with carriers who understand PTSD in the context of military service and have helped many veterans with PTSD get affordable coverage.