How To Get Burial Insurance With Depression (2023 Guide)


Are you familiar with how to obtain burial insurance when depressed? We’re here to provide a response to your challenging query. Find out if your employer offers this kind of insurance coverage as your first step.

If they don’t, you might be able to purchase it from a health insurance provider or broker as an individual plan. Make sure the policy you choose for burial insurance provides at least $10,000 in funeral costs and up to $2 million in total death benefits for a family of four.

Consider life insurance plans with “accidental death riders” that provide increased death benefits in the event of a premature death by suicide or accident (ADR).

The Truth About Final Expense Insurance For People with Depression

Is stress a factor in life insurance? We want you to know that finding the best and most affordable burial or final expense insurance plan won’t be tough for you if you’re currently experiencing hardship in your life and are depressed.

Now let us assure you that your final expense insurance premiums won’t go up if you’re depressed. In reality, our approved list of qualified health impairments includes burial insurance with depression!

We have assisted many people who were sad, and we can assist you as well! all the way through. Despite the fact that a few carriers view depression as a pre-existing disease.

We at represent the best, highest-rated, A+ insurance providers in the nation who provide seniors with depression with burial insurance.

Many of the best insurance providers that we represent won’t even inquire about depression since they are lax about it.

Therefore, if an insurance provider even suggests asking about depression, please decline and give us a call instead!

Because you didn’t go with us at in the first place, the only reason you heard the word “depression” during the interview process of an insurance business.


Depression And Final Expense Insurance Companies

If you have mental health problems, is life insurance still an option? Aside from major illnesses, there are common circumstances for people with depression that could influence the value and cost of offers from insurance providers for burial or final expense coverage.

use of drugs, nicotine, or tobacco People with depression frequently start smoking and may also start abusing other drugs or other substances.

Insurance providers will strongly disagree with these and will either reject your application or present insurance plans that are significantly more expensive as a result.

Therefore, it would be ideal if you quit using illegal drugs or cigarettes altogether.

Self-harm/Suicidal Attempts – If you have ever hurt yourself or committed suicidal attempts, this information has been recorded.

Suicidal ideation or self-injury-related hospitalisation will also have a significant impact on the value and cost of the insurance coverage your plan offers. Even worse, insurers can simply reject your application outright.

We sincerely hope that this is not the case, but if it is, do not hesitate to call one of our knowledgeable and amiable final expense insurance professionals. Regardless of how bad your depression is, we will still make every effort to locate the greatest insurance coverage for you.

Keep in mind that it is our job to assist you, not the insurance companies. Obtaining coverage for people who have other mental health disorders has been successful. These conditions include 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

Health Questions In The Underwriting

You may now be asked some questions regarding an illness that you are aware you may have or have had in the past, or you may assume you do or have it but in reality you don’t or didn’t… We sincerely hope it was clear and that you enjoyed the tongue-twister.

Remember how we said that queries about underwriting are likely to bring up issues like smoking or substance abuse? If so, call us so we can help you navigate this.

These questions may seem simple enough on the surface, but it’s crucial that you answer them with the assistance of a highly skilled final expense insurance specialist who can expertly guide you in answering the underwriting questions honestly and completely while still looking out for your best interests in obtaining the best affordable insurance coverage.

Prescribed Medication History Assessment

Depression caused a life insurance denial? Can one be turned down? To make this portion as simple as possible, let’s move on.

This section is an insurance company’s means of finding out if you have any more ailments that you might not have disclosed in the underwriting health questions.

Insurers can learn about applicants’ ailments or health impairments (past and present) by looking at their prescription medication history. They will understand the purpose of these pills, of course.

They will thus be aware of any current or potential ailments you may have as a result of the medications you were prescribed.

Additionally, the reasoning for this is that if you were given a prescription for a drug that is used to treat a condition, they will automatically assume that you have that ailment.

We sincerely hope that we have made this clear. Please contact us if you have any questions.

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!