Is mental robustness a concern when underwritting ife insurance?


I have some mental form issues and was just now declined for a policy. Could my MH enjoy contributed to the decision or is that not a concern for insurers?
Answers:
Yes. With the decline letter, you should be capable of get a more specific intention for decline either sent to you or your doctor. Once you own this information, review it with your agent (or if they aren't independent, an independent agent) to see if you can do better.
Yes, mental form is considered. Certain mental health conditions increase the likelyhood of suicide and hence, influence natural life insurance.
It's definately a concern, however, not as much as physical health because heaps policies flat out exclude suicide, and all enjoy a suicide exclusion for the first 2-5 years (varies by state) during the contestable period.

so if there's ALSO a physical component, that's probably more relevant.
Can be the primary concern is what prescriptions you take. If you still entail it try getting small policy like 25-50k from a couple companies and you should hold less question.
Yes it is. Especially if you are on medication for it. Companies approaching to see that the 'issue' is being controlled. IF you own recently changed meds or hold a new diagnosis they catch scared.
All the answers are pious and can apply. Were there any other robustness issues mentioned, any family histories, are your parents living as okay as siblings?. How much are you applying for and is it in vein with your income and estate requests? There are speciality companies that might work, but any ratings for various conditions would increase the price. Is here group insurance where you work? If so, is it from a company which say the life ins. is transferable.? This scheme you can take it beside you and/or convert it to a permanent policy. In tons companies group policies are guaranteed issue. Where are you in the treatment cycle for your depression? Would your Dr. write a memo in your behalf? There are some answers out at hand in the duration ins. world and you need an suggest besides youself. Good Luck