How can I get life insurance if i am on ssdi for clinical depression?
Answer:
it doesnt matter you should beable to call a life insurance agent and get it.my sister got life insurance and she's more then clinically depressed.if you live in new york.you should call new york life insurance.all they do is take your blood and if it comes back clean your covered life insurance wise.
ly..
At first you must done your treatment than go on insurance.
Call an agent, ask for quotes, fill out the paperwork, pay the premium. Easy.
Keep in mind, if you suicide within three years of the policy inception, the policy doesn't pay.
You could get life insurance, but there just may be a higher premium involved. Depression usually doesn't higher your rate that much. You may be labeled as a substandard risk, which doesn't mean you are uninsurable it just means you may have a higher rated premium.
The people with the highest premiums are ones who have hazardous jobs that higher their risk of dying early.
The easiest and less time consuming way is to get an online quote from a company that offers quotes from multiple agents.
Why?
There's a mix of professional and amateur agents out there. With your symptoms, different carriers handle cases in different ways.
As somebody mentioned, the cost may be more since your situaiton may fall into "impaired risk". This is just the opinion of the insurance company based on your symptoms, when and for how long they've occured, your lifestyle, and job.
Just make sure you tell the agent all of this. I know it's hard for people to say things that could increase the cost of the insurance. It's better to say all of the facts now, or your money will be wasted when the insurance companies decide not to pay out the death claim.
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