Best term life insurance rates for anxiety [Ultimate Guide]

What company has the best term life insurance rates for anxiety?

When researching the best term life insurance rates for anxiety it is important to know which life insurance companies actually specialize in the lowest rates for those who suffer from anxiety and depression.

In order to find those particular carriers you must use an expert agent. An expert agent or “special risk” agent is an agent who typically represents dozens of insurance companies.

Among these dozens of insurance companies will be carriers who specialize in underwriting anxiety and depression.

These carriers will have expert knowledge and underwriters on staff that deal with these risks every day.

It is important to remember that there are over 1,000 life insurance carriers operating in the United States. But, only a select few will of the expertise of underwriting this special niche.

And of this special niche only one will have the absolute best term life insurance rates for anxiety.

What is term life insurance?

Term life insurance is pure insurance coverage. It is death benefit protection only. You pay a certain premium for the amount of coverage you purchase. The term is the length of time your coverage and premium is guaranteed to remain level. There is no cash value with term life coverage.

As an example, let’s say you want to purchase life insurance protection while your child is living at home. Your daughter is 5 years old. You determine that you want protection for her until she is 25 years old. Based on this you would want to purchase a 20 year guaranteed level term. This guarantees the premium and the death benefit remains level for 20 years.

Term life insurance protection can be purchased for almost any term that is needed. The common most terms are 10 year, 15 year , 20 year, 25 year and 30 year level term.

Term life insurance is the least expensive life insurance coverage you can buy. But, when dealing with a pre-existing medical condition, it is important to be sure and find the one carrier that offers the best term life insurance rates for anxiety.

Finding the company with the best term life insurance rates for anxietyBest term life insurance rates for anxiety

Okay, we have determined that the best way to find the company that offers the best term life insurance rates for anxiety is to work with an independent life specialist.

Your life insurance special risk agent will then need to negotiate on your behalf with the top carriers. How is the accomplished. Typically, an agent that has been in business for many years and that has lots of experience will already know the top carriers to go to.

But, since each life insurance company looks at each case differently, your agent will then need to discuss your particular situation with each company. By asking the right questions and giving each underwriter as much information as possible, your agent can quickly determine who will offer the lowest rates.

Top life insurance companies for anxiety

Here are some of the top carriers we have found to be the most aggressive when underwriting those looking for the best term life insurance rates for anxiety:

  • Prudential
  • Principal National
  • Brighthouse Life
  • American General 
  • Symetra
  • United of Omaha

What determines which companies offer the best rates?

Underwriters typically look for the degree of anxiety and depression to determine what risk class an insured will fit into.

Some insured’s may have a mild degree of anxiety, while others may suffer a moderate or even severe case of anxiety and depression.

Medications play a key role also in determining the final outcome of the underwriting process.

Some of the more common medications to treat anxiety and depression disorders include:

  • Basic SSRI’s

Taking 1 medication is obviously more optimal in getting the best term life insurance rates for anxiety. Most carriers will not offer the best risk class if more than one medication is being prescribed.

We have found in that Prudential Life Insurance Company is still one of the carriers that can offer the absolute best risk class for only one medication. Now, this assumes all other medical risk factors qualify for the best risk class.

The level of control of medication can also play a role in getting the best rates.If you haven’t had a dosage change in 12 month’s, that’s optimal. If your doctor is adding/subtracting/reducing/increasing/changing all the time, they can’t level you out. This would be considered more of a risk and possibly a higher premium rate.

Questions to qualify for life insurance

As mentioned earlier, your special risk life insurance agent will usually ask several questions to help identify what risk class you may qualify for. Below are some of them more common questions that are usually requested:

  • When were you first diagnosed with anxiety?
  • Any specific reasons for your anxiety or depression? Example, sudden loss of a job or unexpected bereavement?
  • What is the diagnosis of your disorder? I.E. generalized anxiety, panic disorders, mildly depressed, etc.?
  • What type of treatment or medications have you used or are still prescribed?
  • Any past history of alcohol or drug abuse?
  • Any other major health conditions such as diabetes, cancer, heart disease?

In addition to the questions above, it is important for your agent to know how much protection you need and what term period are you looking to protect?


It is important to protect your loved ones from an unexpected loss. Life insurance protection can give you the peace of mind you need.

Fortunately, you have landed on this page. We are experts at finding the best term life insurance rates for anxiety. If you would like a free evaluation of your situation, please contact us at 1-888-393-9003 or Listen to Mike’s radio interview discussing special risk term life here.

For a FREE quote

Call, text, email or fill out our instant quote form:

Call: 678-207-8160
Text: 678-207-8160
Instant quote form: Click here

How can I help?

Mike Raines

I am an independent life insurance agent with over 30 years’ experience. I am an expert in finding coverage for those with past or current medical history such as heart disease, diabetes, post cancer, etc. I also specialize in those that participate in scuba diving, mountain climbing, private pilots, etc. I work with the best life insurance companies in the nation, such as Prudential, AIG, Protective Life, Transamerica to name a few. Each carrier has different opinions on rates and underwriting, and it is my job to match you with the best company. To do that, I need to ask you a few questions about your health and lifestyle to qualify you.

For a FREE quote, call, text or email:

Call: 678-207-8160

Text: 678-207-8160


Mailing Address:
3482 Keith Bridge Road Suite #125
Cumming, GA 30041


Mike and Special Risk Term are absolutely top shelf! I was worried that I would not be able to get term life insurance to protect my family, or that the costs would be exceedingly high.

Mike knew the industry inside and out and knew which companies would provide the best options. He coordinated with the underwriters to get the job done and get me an affordable plan, and kept me updated throughout the entire process. Not to mention he did it all electronically in the age of COVID without ever having to meet in person. Highly recommend. Excellent service and expertise!

- Chris M. from Laguna Niguel, CA.

Two Thumbs Up for Mike at Special Risk Term

- Yaniv from Troy, MO.

Mike did an awesome job in finding affordable coverage for myself and my husband. Highly recommend his services.

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It’s not easy to find life insurance with a chronic condition such as crohn’s disease which is why I greatly appreciated having Mike on my team. Mike is responsive, patient, professional and indefatigable- all things you need when you’re looking for a competitive policy. Knowing my family will be taken care is not only a relief but a huge confidence boost and I’m thankful Mike works in the special risk insurance arena. I would absolutely work with him again. Thank you Mike!

- Bobby from Washington D.C.

Mike did an outstanding job getting me my coverage. He went above and beyond answering all my questions. He always returned my calls immediately even on the weekends!!! I highly recommend him.

- Aileen from Woodstock, GA.

I tried several places before I came across Mike’s website. The insurance at these other places was either very expensive, or the company wouldn’t cover me because of my health history. Mike was able to find me a reasonably priced policy with a major insurer. He did a great job locating a policy that works well for me.

- Jeff from Hermon, ME.

As someone with a past cancer diagnosis, finding life insurance had been a huge annoyance. Mike made it easy, and somehow found quotes that were significantly more affordable than what others gave me.

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Mike and his team made the entire process from start to finish very seamless and also overcame the task with us being multiple states apart with ease. With the easy process and very competitive priced insurance for high risk athletes, you have no need to look anywhere else for coverage. Thanks to Mike and his team for all they did and I highly recommend them for your Special Risk Life Insurance needs.

- Tyler C. from Danville, VT.

Best rates and best service I have ever received.

- Robert from Kennesaw, GA.

I could not be happier working with Mike Raines to get life insurance coverage for myself after having been declined for health reasons by my employer. My wife and I just had a son and it had become more imperative than ever that my family be protected if I were to pass away. The health screening appointment was conducted at my home around my schedule, which was very convenient. It was clear to me that Mike went above and beyond to make sure the underwriter fully understood my situation, going to bat for me so that I would not be declined again. I am a very happy customer.

- Daniel S. from Seaside, CA.

We work with individuals across the nation to secure the best life insurance rates.

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