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How to Get Life Insurance with a History of Suicidal Thoughts?

How to Get Life Insurance with a History of Suicidal Thoughts?Looking for a quote for life insurance or burial insurance? Click here and send me a message with details of what you’re wanting to accomplish. If you’d prefer to talk live, call 888-626-0439 to speak with me directly.

This Article Is Specifically Going To Talk About Qualifying For Life Insurance Coverage Either For Yourself Or A Loved One With A History Of Suicidal Thoughts

Most likely the reason you’re here today is because either yourself or a loved one has gone through the qualms of depression and may have experienced suicidal thoughts at the lowest point in their life. Many people wonder if those circumstances have an impact on eligibility for life insurance.

You may have also recently submitted a life insurance application and found that you were declined because of a history of suicidal thoughts. If either of these scenarios fit your particular circumstances then you’re in the right place.

In this article I hope to describe in a sober and direct way the options you have for life insurance coverage with a history of suicidal thoughts.

NOTE: Would you prefer me to present this information to you in video format? Watch the video below for the complete presentation on getting life insurance with a history of suicidal thoughts. Enjoy!

Specifically, We’re Going To Talk About The Following Topics:

Factors that affect insurability for an individual with a history of suicidal thoughts

Top 3 factors to consider by underwriter for people with history of suicidal thoughts is applying for life insurance

Life insurance companies will focus on several different factors when they look at your application.

In particular they will want to know what caused the suicidal thoughts, when they occurred, what treatment was given, and for how long the suicidal thoughts occurred.

Let’s break this down into a little bit more detail to see how companies will analyze your application and form their opinion on whether or not you qualify for life insurance with a history of suicidal thoughts.

Last occurrence

Most insurance companies are going to go by the medical records that are listed as well as an interview they conduct with you and any other sort of documentation they can pull in the process of deciding whether or not they’re going to approve you for life insurance coverage. The point of contention typically surrounds if you admit to having suicidal thoughts recently, rather than in the distance past.

What life insurance underwriters will be looking for is when the last occurrence of suicidal thoughts was documented by a medical professional.

Type of treatment protocol you were given

Life insurance companies will have a number of questions about your treatment. These may include, but are not limited to, the following:

  • Did you have to attend psychiatrist sessions?
  • Did you do any sort of therapy?
  • Did you take medications and if so for how long did you take those medications? a
  • What was the outcome of the treatment? Was it successful? Was it a unsuccessful? Did you experience issues along the way?

The occurrence and the treatment will also have a big impact on your application.

How long have you had the suicidal thoughts?

Again, typically speaking, the period of time you experienced suicidal thought will have a direct impact on your eligibility for insurance in combination with the last occurrence.

Have you had a long period of suicidal thoughts or was it short term? Has there been a treatment in place that has been successful? What were the causes of the suicidal thoughts? The answers to these questions will also have an impact on your application.


Beyond specific questions related to suicidal thoughts, health and age are the biggest components of an application process that will determine whether or not you qualify for life insurance.

Beyond mental health questions, life insurance applications may also ask the following questions about your health.

Do you have a history of…

  • Lung disease
  • Diabetes
  • Cancer
  • Liver disease
  • Kidney disease
  • Heart disease
  • Circulatory disease
  • Neurological diseases
  • Recent surgeries or hospitalizations

How you answer these questions, and any additional questions that may or may not be included, will directly impact your eligibility for life insurance.


Generally, the older you are, the more expensive your coverage will be.

However, we will give you some tips and strategies shortly so that you can try to circumvent some of the higher price tendencies that age, health, and a history of suicidal thoughts can produce.


If you smoke, expect to pay a higher premium.

If you smoke cigars, cigarillos, or chew tobacco you may be eligible with some life insurance carriers for a non-nicotine rate because these particular types of tobacco generally are not frowned upon as much as cigarettes.

Weight and height ratio

Your weight and height ratio will have an impact on your insurability.

The heavier you are in ratio to your height, the more likely you will pay a higher premium.


If your medical records indicate you have had a history of suicidal thoughts, the insurance company underwriters will also want to investigate your current lifestyle to see how it matches your treatment plan for improving your overall mental health.

The type of questions to consider here include…

  • Is your lifestyle healthy?
  • Do you have any sort of negative occurrences on your driving record such as a DUI
  • Do you participate in risky hobbies?
  • Is your profession low risk?

The more proof you can show toward recovery and a healthy lifestyle, the better. Risky hobbies and professions may cause a price increase.

What kind of coverage can I expect if I’m in good health but have a history of suicidal thoughts?

You better take time thinking about getting life insurance coverage

There are a number of options available for coverage if you have a history of suicidal thoughts. The best way to look at these options is within the scope of how much time has passed since you had suicidal thoughts and underwent treatment. Age and health will of course also have an impact on these different types of coverage.

Zero to two years

If you have had suicidal thoughts within the past two years, the likelihood is high that your best coverage option will be a guaranteed issue whole life insurance plan. These plans are designed to never go up in price and never cancel due to age or health.

The drawback to guarantee whole life insurance is that there is no natural death coverage for the first two years. However, you would be covered for accidental death. That does not include death by suicide.

Many people choose guaranteed issue because they know it’s important to have some kind of coverage on the books and there may be circumstances in addition to the history of suicidal thoughts that make it a good purchase. Even if this isn’t your first choice for insurance, it will give you coverage until you can reapply after more time has passed and the likelihood of getting a different type of insurance is better.

Two years to five years

You’ve had a track record of successful treatment and its been two to five years since the occurrence of  your suicidal thoughts. At this point, you have two different kinds of life insurance options – simplified issue whole life insurance and traditional life insurance.

Simplified issue whole life insurance has a smaller look back window on different health elements, including suicidal thoughts, and generally speaking, beyond the two year point there are many life insurance products available that will fully cover you from the first day. These types of products are design to never go up in price due to age and they never cancel due to health either.

Once you buy the plan, you’re locked in place and natural and accidental death, with the only exception being suicide, are covered. These plans make for great final expense plans and can cover basic expenses upon your passing.

Traditional insurance may also be an option at this point. Coverage will depend on your lifestyle, build, age, health and smoking status. Traditional insurance may or may not include an exam. Again, this is subject to an analysis and questionnaire done by your life insurance agent.

Five years and beyond

Much like the last description, you may be eligible to qualify for some sort of term life insurance or traditional type of life insurance plan that looks more in-depth at medical records. Again, it’ll just depend upon the combination of other factors and your overall health and the success of your treatment process.

Reasons for buying life insurance

Most people navigate to my web page to try to get answers to questions they have about life insurance eligibility. Many different kinds of circumstances may bring an individual to decide they need insurance. But those who have been affected by suicidal thoughts are especially aware of the brevity of life.

You  may be looking into insurance as a payment for burial expenses or maybe you want to cover final expenses or replace a lifetime of income. Life insurance plays an important role in satisfy a lot of the risks and concerns that people have a in life that otherwise can’t be solved by normal means.

A lot of people owned life insurance in your position because they want to take care of these final expenses and free the burden of those things from the people that they love.

How much insurance coverage should you get?

Generally speaking, it depends upon your goals. If your goal is to have enough to take care of final expenses, somewhere between $10,000 and $25,000 is a good place to start.

This will cover your burial, as well as medical and non-medical debt and generally relieved that final burden from your loved ones.

The top reasons why people with history of suicidal thoughts buy burial insurance

If you work you understand that if you pass away, your family would have to come up with a dramatic amount of money to sustain the lifestyle you’ve built. It may be worth considering buying a traditional life insurance policy, which would allow you to replace your income at a much larger level to give your family peace of mind.

Life insurance can’t remove the tragedy of losing a loved one, but it can at least economically support the family left behind. The amount of coverage you get just depends upon your goals and what kind of plan works best for you.

Strategies to get the best life insurance coverage if you have a history of suicidal thoughts

In this section I want to spend some time detailing what I would recommend you do when looking for life insurance. The truth is it’s going to be difficult. It just totally depends upon when the occurrence was last recorded and what treatment follow up has come after that.

David Duford owner of buy life insurance for burial with the twin daughters

My twin girls Emily and Eva thank you for reading, and hope you’ve gained truly valuable information on your search for life or burial insurance. If you’re ready to discover your options for life or burial insurance, call me at 888-626-0439 now for your free life insurance quote!

Ultimately you need to be able to prove you are healthy both physically and mentally to get the best underwriting support possible.

When I meet with somebody who has had a history of suicidal thoughts, the first thing we do is establish how long ago the suicidal thoughts occurred and what kind of treatment was given.

Based off of that information, I’ll make a recommendation according to the chart we discussed earlier that’s based on the amount of time that has passed since the suicidal thoughts occurred.

Ultimately, I think no matter where you fall as far as the length of time since the diagnosis or how well you’ve recovered since, the key thing is to always work with a broker.

A broker is able to shop around and try to find the best price and coverage for their clients. Many times companies will have different underwriting discrepancies and concerns that other companies don’t have. And you want to work with those companies who will be more willing to work with your unique health scenario.

Work with a broker from Buy Life Insurance for Burial who can take your unique circumstances and find the best possible coverage to meet your budget and goals.

Burial Insurance Rates, Age 40 to 90*


Rates For $5,000 In Burial Insurance

Rates For $10,000 In Burial Insurance

Rates For $15,000 In Burial Insurance

Rates For $20,000 In Burial Insurance

Rates For $25,000 In Burial Insurance

*Burial insurance premiums are subject to underwriting, based on rates as of 8/20/2018, from state-regulated life insurance companies offering final expense burial whole life insurance protection. Understand that in order to potentially qualify, you must submit an application to see if you’re eligible. Rates are subject to change. Give Buy Life Insurance For Burial a call at 888-626-0439 now to see what program you may qualify for.

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