Life Insurance With Obsessive-Compulsive Disorder (OCD) [2022 Guide]


Who wants to think about death, right? If you’re a senior consumer and have been diagnosed with OCD, buying life insurance might not seem like the greatest choice for you. Yet it’s critical that you act right away if your health prevents you from working or if your family’s financial stability would be in jeopardy without this coverage.

Identifying the type of policy that would be suitable for your needs is the first step. Whole life insurance and term life insurance are the two most popular types of plans. While whole-life insurance ensures coverage until an individual turns 90 years old or passes away in the event of a terminal illness, term life insurance only covers people for the number of years they choose on their plan (usually 10+).

Can I Get Life Insurance With Obsessive Compulsive Disorder (OCD)

What effects does OCD have on a person’s life insurance policy? OCD is it covered by insurance?

Let’s start by stating that individuals with OCD have uncontrollable intrusive thoughts.

Because they are pre-existing conditions, many life insurance policies will treat you differently if you have a mental illness.

Also, there is “no one size fits all” when it comes to a person’s mental health issues.

OCD Life Insurance Underwriting Questions

How Does OCD Impact a Life Insurance Application? The insurance company and underwriters will want to ask the following questions.

In actuality, they are not restricted to these inquiries. You could request medical records.

Being truthful on your application is crucial.

Your independent agent will help you every step of the way and negotiate the best prices for you.

  • When was your mental illness first identified in you?
  • Do you have power over your mental illness?
  • Do you see a psychiatrist regularly?
  • How often do you receive treatment for your illness?
  • Have you ever been admitted to a hospital because of your mental illness?
  • What treatments are you doing right now for your mental illness?
  • Lab test outcomes?

Best Life Insurance Companies for Obsessive Compulsive Disorder

In the end, your mental illness is typically not the problem. The maintenance level of your condition will be requested by life insurance companies.

They’ll also want to know if you have any additional medical issues or limitations that would put them at danger.

Safeguard Life Insurance

AIG (American General Life Insurance Corporation) (American General Life Insurance Company)

Types Of Obsessive Compulsive Disorder (OCD)

When categorising OCD, there are two basic categories.

In actuality, both sorts of anxiety disorders are brought on by unpleasant thoughts.

You may find that modern doctors are quite successful in treating any obsessive disorder you may have.

Some compulsive habits border on obsessiveness rather than compulsivity.

In actuality, the list of OCD diseases is somewhat condensed.

Insurance and Obsessive-Compulsive Disorder

Obsessive behaviours or thoughts:

  • People need to arrange their items in a specific sequence because of concern for becoming filthy or picking up germs.

Obsessive behaviours

  • Frequently making sure something is correct (door locks, lights, etc.)
  • Number of elements repeatedly
  • Fear of handling certain items or things in public (handshaking, doorknobs, etc.)
  • You should wash your hands several times.
  • The Best OCD and Anxiety Medication
  • FDA-approved antidepressants are frequently prescribed by doctors and psychiatrists. such, to mention a few, Prozac, Paxil, and Zoloft.
  • Nonetheless, some people might start with cognitive behavioural therapy.

Best Medicine For OCD and Anxiety  

What therapy works the best for OCD? Since so many pharmaceuticals nowadays have side effects that we all want to avoid, many patients or their families prefer to have their loved ones try natural therapy first.

What kind of treatment would you use as an example of CBT? Yes, your therapist will assist you in keeping your thought habits under control.

To counteract or reduce negative thought, replace it with good thought.

Keep in mind that there is no known treatment for OCD (OCD).

Your symptoms will eventually be under control and may even get better.

Life Insurance and OCD

What Type Of Doctor Treats OCD 

Who manages OCD? How can you discuss OCD with your doctor? Your primary care physician can assist with your diagnosis. As a result, they will want to perform a physical examination.

Likewise, certain family doctors may suggest that you see a psychiatrist based on the severity of your condition.

The easiest approach to get the assistance you require is to be upfront with your problems.


What OCD is like is as described above. Although it can be a challenging situation, you won’t have to worry about not being there for your family and loved ones when they need you most if you have the correct life insurance policy in place.

Get a quote from Life Shield today if you’re interested in receiving coverage that is especially designed to handle problems related to mental health diseases like obsessive-compulsive disorder.

Nothing will ever be simpler than it is now since we’ll work with you to locate the ideal plan that satisfies all of your demands. And if we happen to discover any programmes or guidelines tailored especially for those who have diseases like yours?

PinnacleQuote Life Insurance Specialists

Contact us right away to receive the lowest prices for treating OCD (OCD).

We specialise in all health impairments, and we are certain to know the top A+ rated carriers. (855) 380-3300.

CLICK HERE for additional details about Obsessive-Compulsive Disorders (OCD).