How To Get Burial Insurance With Depression (2023 Guide)

How To Get Burial Insurance With Depression 

September 27, 20238 min read


Do you know how to secure burial insurance if you're struggling with depression? We're here to address this challenging question. Your first step should be to check if your employer offers such insurance coverage.

If they don't, you may explore obtaining it from a health insurance provider or broker as an individual plan. Ensure that the burial insurance policy you select covers at least $10,000 in funeral expenses and offers up to $2 million in total death benefits for a family of four.

Additionally, consider life insurance plans with "accidental death riders" (ADR) that provide enhanced death benefits in the event of premature death due to suicide or accidents.

The Reality of Final Expense Insurance for Individuals Dealing with Depression

Are you wondering how depression affects life insurance? We're here to inform you that if you're currently grappling with depression, finding the perfect burial or final expense insurance plan doesn't have to be a daunting task.

Rest assured, your final expense insurance premiums won't increase due to your depression. In fact, burial insurance options covering depression are included in our list of approved health impairments!

We've helped numerous individuals dealing with depression, and we're ready to assist you too, every step of the way. While some carriers may consider depression a pre-existing condition, many of the top-rated insurance providers we work with don't even inquire about it.

At, we exclusively partner with the best A+ rated insurance providers in the country, ensuring that seniors dealing with depression have access to burial insurance options tailored to their needs.

If any insurance provider raises the topic of depression during the application process, don't hesitate to decline and reach out to us instead!

Remember, if you hadn't chosen initially, you wouldn't have even encountered discussions about depression during the insurance company's interview process.


Depression and Final Expense Insurance Providers: What You Need to Know

Wondering if life insurance is still an option if you're dealing with mental health issues like depression? Besides significant illnesses, there are common factors related to depression that could impact the terms and costs of burial or final expense coverage offered by insurance providers.

Substance Use: Individuals with depression often turn to smoking and may even engage in substance abuse. Insurance companies view these habits unfavorably and may either reject your application or offer significantly higher-priced plans as a result. Quitting these habits altogether would be ideal to improve your insurance options.

Self-Harm/Suicidal Attempts: Any history of self-harm or suicidal attempts is documented and can greatly affect the terms and costs of your insurance coverage. In some cases, insurers may even reject your application outright. If you've faced such challenges, don't hesitate to reach out to our knowledgeable and friendly final expense insurance professionals. Regardless of the severity of your depression, we'll do our utmost to find the best insurance coverage for you.

Remember, our priority is to assist you, not the insurance companies. We've successfully helped individuals with various mental health disorders secure coverage, including schizophrenia and bipolar disorder.

Can You Get Burial Insurance If You Have Depression

The Good News

With immediate insurance coverage starting on day 1, depression won't be a barrier to getting the cheapest funeral or final expense insurance coverage.

The insurance companies typically refer to this plan as "level," "preferred," or "simple."

The vast majority of final expense insurance providers do not actively seek out individuals who are depressed. It's actually quite uncommon to find a reputable funeral insurance provider that uses the word "depress" or "depression" in their underwriting inquiries.

Another benefit is that, unlike life insurance, you will never have to submit to thorough physical or medical examinations.

So keep in mind: If you're concerned that getting burial or final expense insurance may be difficult, like getting life insurance, don't be.

You'll be welcomed with open arms.

So, to put things in perspective, "what's the next step" now that you are aware that you can essentially obtain the lowest price on final expense insurance? You query.

You must go through an underwriting procedure in order to obtain a streamlined insurance plan.

Depression Underwriting Process Of Final Expense Insurance Companies

Life insurance refused because of depression Simply responding to their health-related inquiries and having them analyse your medication history constitutes the underwriting procedure.

A graded or decline may occasionally be brought on by a concoction of medical issues and drugs. Be honest with your agent; in the majority of circumstances, we can get you day-one coverage because we can shop you around to several carriers in a single call.

Remember that the majority of the top-rated insurance companies that we represent will not in any way inquire about depression, as we have indicated numerous times in this post. So please decline and call us if you see a question in the underwriting that even remotely suggests asking about depression.

Because if you didn't continue working with us at , the only way you would have seen the word depression in the underwriting is if you had.


In any case, if they suspect you may have had other ailments in the past or present that they would have problems with, they will ask you further questions.

Simply put, final expense insurance firms will evaluate every facet of your health to determine the quantity of insurance coverage they can afford to provide for you.

In the underwriting process, insurance companies will ask about the following:

  1. Questions about your present and past diseases (if there’s any) and lifestyle.

  2. Prescribed medication history assessment

Navigating Health Questions During Underwriting

Now, let's delve into the realm of health questions during the underwriting process. You might encounter queries related to illnesses you're aware of or have had in the past, or ones you suspect you may have but aren't certain about. It can feel like a tongue-twister at times, but we aim to make it as clear and enjoyable as possible for you.

As mentioned earlier, questions about underwriting often touch on topics like smoking or substance abuse. If you're faced with such questions and feel unsure about how to proceed, don't hesitate to reach out to us for assistance. We're here to guide you through the process.

While these questions may appear straightforward, it's essential to answer them accurately and completely. This is where the expertise of a highly skilled final expense insurance specialist comes into play. They can help you navigate the questions with confidence, ensuring that you provide honest answers while also securing the best and most affordable insurance coverage tailored to your needs.

Assessing Prescription Medication History for Insurance

Did depression lead to a rejection from a life insurance company? Can one be declined? Let's simplify this segment for you.

This part of the process allows insurance companies to uncover any undisclosed ailments that may not have been mentioned in the health questions during underwriting.

By examining applicants' prescription medication history, insurers can gain insight into any past or present health issues or impairments. Naturally, they'll understand the purpose behind the prescribed medications.

Through this assessment, insurers can identify any existing or potential health conditions that individuals may have, based on the medications they've been prescribed. Essentially, if you've been prescribed a medication to treat a particular condition, insurers may assume that you have that ailment.

We hope this explanation clarifies matters for you. If you have any further questions, please don't hesitate to reach out to us.

Common Medications Prescribed To Manage Depression In Final Expense Insurance

Do antidepressants impact the cost of life insurance? Now, these antidepressants are frequently prescribed drugs. Once more, we work for top-rated A+ insurance providers who are totally happy with all of this.

Can someone with depression purchase life insurance? Therefore, the only reason you couldn't receive a simplified final expense insurance policy because you use one or more of the medications listed below is that you didn't contact us in the first place.

  • Abilify (Aripiprazole)

  • Asendin (Amoxapine)

  • Bupropion (Wellbutrin, Forfivo, Aplenzin)

  • Citalopram (Celexa)

  • Clomipramine (Anafranil)

  • Desipramine (Norpramin)

  • Desvenlafaxine (Pristiq, Khedezla)

  • Duloxetine (Cymbalta)

  • Elavil (Amitriptyline HCL)

  • Escitalopram (Lexapro)

  • Fluoxetine (Prozac, Sarafem)

  • Fluvoxamine (Luvox)

  • Imipramine (Tofranil)

  • Isocarboxazid (Marplan)

  • Levomilnacipran (Fetzima)

  • Mirtazapine (Remeron)

  • Nortriptyline (Pamelor)

  • Olanzapine/Fluoxetine (Symbyax)

  • Paroxetine (Paxil, Pexeva, Brisdelle)

  • Phenelzine (Nardil)

  • Selegiline (Emsam)

  • Seroquel (Quetiapine)

  • Sertraline (Zoloft)

  • Serzone (Nefazodone HCL)

  • Sinequan (Doxepin HCL capsule)

  • Tranylcypromine (Parnate)

  • Trazodone (Oleptro)

  • Trimipramine (Surmontil)

  • Venlafaxine (Effexor XR)

  • Vilazodone (Viibryd)

  • Vivactil (Protriptyline)

  • Vortioxetine (Brintellix)


How To Find The Best Burial Or Final Expense Insurance For The Depressed At The Lowest Cost

Simple! Contact us; we are an independent insurance company with a group of knowledgeable final expense insurance specialists that are honest, affable, and down to earth. We have assisted innumerable individuals who are suffering from serious illness or depression, and we can undoubtedly help you as well.

We have a passion to make sure that EVERYONE, no matter what they're going through in life get the best burial or final expense insurance in the market!

Life Insurance For People With Depression

Our staff at is made up of independent insurance brokers who have access to the top-rated A+ insurance providers in the nation and who only offer premium insurance plans with free, cutting-edge extra features.

We possess a thorough understanding of the underwriting inquiries, additional procedures, and rates of each insurance provider that is accommodating to the downtrodden.

We only require a little of your time so that we can learn your specifics.

We can definitely tell you which company will provide the greatest possible strategy for your condition as a sad person given your information.

Contact us right now! We guarantee you an easy, no-nonsense interview procedure with zero pressure.



All you need now that you understand how to obtain funeral insurance despite depression is a quote. Any queries you may have regarding your final expense plan can be addressed by the specialists at Insurance For Burial, who are standing by to assist. Give us a call right away since we want to work with you to develop the best funeral insurance package for your requirements as soon as possible!

Funeral insurance for individuals with depression
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