How To Get Burial Insurance With Depression in 2024

What you need to know and how to get burial insurance with depression in 2024 (also known as final expense insurance) is written here in this article.

When dealing with mental health conditions like depression, we often focus on the emotional and physical challenges that come with it.

However, there’s another aspect to consider, and that is the financial implication – more specifically, how it influences insurance policies.

If you or a loved one are senior citizens dealing with depression, you may be wondering about your options for burial insurance.

This blog post aims to shed light on this complex topic, guiding you through the benefits of burial insurance, the role of mental health in insurance policies, and how to protect your family from the financial burden of funeral costs.

Understanding Burial Insurance

Burial insurance, also known as final expense or funeral insurance, is a type of life insurance policy specifically designed to cover end-of-life expenses.

These expenses often include funeral costs, burial fees, and other related costs. These policies are typically easier to obtain than traditional life insurance, making them an attractive option for many seniors.

A primary reason to consider burial insurance is the peace of mind it offers.

Knowing that your family will not face a significant financial burden upon your passing can provide great comfort.

You’re not just planning for the inevitable; you’re protecting those you care about from potential financial stress during an already difficult time.

The Truth About Final Expense Insurance For People with Depression

Does anxiety affect life insurance? If you are going through something difficult in your life right now and you’re depressed, we want you to know that getting the best and lowest cost burial or final expense insurance plan will NOT be hard for you.

Let us tell you now that being depressed will not mean higher payments for final expense insurance. In fact, burial insurance with depression is on our qualified health impairment approval list!

We have helped a lot of people who were depressed and we can help you too! Every step of the way. Even though some carriers consider depression a pre-existing condition.

We here at represent the best, top-rated, A+ insurance companies that the country has to offer burial insurance for seniors who are dealing with depression.

We represent a lot of top-tier insurance companies that will not even ask about depression because they are not strict about it.

So if you come across an insurance company that so much as to suggest asking about depression, kindly decline and call us!

Because the only way that you encountered the word depression in an insurance company’s interview process is that you did not go with us here at in the first place.

Can You Get Burial Insurance If You Have Depression

Here’s some uplifting news to alleviate any concerns: depression does not obstruct your path to qualifying for affordable burial or final expense insurance coverage. Furthermore, you can have peace of mind knowing that this coverage can start immediately from day one.

In fact, insurance companies often refer to this type of plan as “simplified,” “preferred,” or “level.”

Interestingly, the vast majority of final expense insurance companies aren’t actively scrutinizing applicants with depression. In fact, it’s relatively rare to find a top-tier burial insurance company that includes the terms “depress” or “depression” in their underwriting questions.

Another benefit worth mentioning is the contrast between burial insurance and life insurance concerning medical examinations. Unlike life insurance, burial insurance typically doesn’t require exhaustive medical or physical exams. This simplification makes the process less intimidating and more accessible for potential policyholders.

So, if you’re concerned about securing burial insurance with depression due to your depression, let’s dispel those worries. You will be welcomed wholeheartedly and without judgment.

To provide some clarity and perspective, let’s summarize: you are entirely capable of securing affordable final expense insurance despite dealing with depression. So, what should be your next course of action?

To obtain a simplified insurance plan, you’ll need to undergo an underwriting process. This process involves a series of questions about your health history and lifestyle, but remember, depression won’t serve as a deterrent in your pursuit of securing affordable, immediate burial insurance coverage.

Depression And Final Expense Insurance Companies

Can you get life insurance if you have mental health issues? Aside from serious diseases, there are common situations for people with depression that could affect the quality and price of burial or final expense coverage offers from insurance companies.

Tobacco, nicotine or substance use – It’s very common for people who have depression to take up smoking and possibly other substance abuse like illicit drugs.

Insurance companies will very much take issue with these and will offer insurance plans that will cost a lot more because of it, or worse, reject your application.

So, it would be great if you don’t smoke or take illicit substances at all, or you have stopped it.

Suicidal Attempts/Self-harm – If you ever harmed yourself, made suicidal attempts have been recorded.

In addition, having suicidal thoughts, or have been hospitalized because of self-injury, this will heavily affect the quality and price of your insurance plan offers as well. Worse, insurers might just flat out reject your application.

We hope this is not the case, but if it is, please do not hesitate to call one of our friendly and highly experienced final expense insurance specialists, no matter how severe your depression is, we will still do our best to find the best possible insurance coverage for you.

Always remember that we are to help you, not the insurance companies. We have achieved success in getting coverage for clients with other mental health issues. These issues include bipolar disorder and others like schizophrenia.

Depression Underwriting Process Of Final Expense Insurance Companies

If you were PREVIOUSLY Denied life insurance due to depression…The underwriting process simply involves answering to their questions about your health and them reviewing your prescription history.

In rare cases combination of health conditions and medications may cause a graded or decline. Be transparent with your agent, in most cases we can find you day one coverage as we do shop you to multiple carriers in one call.

Remember, we have repeatedly mentioned in this article that most top-rated insurance companies that we represent will not ask about depression in any way. So if you come across a question in the underwriting that so much as to suggest asking about depression, kindly decline and call us!

At any rate, you will be asked other questions if you may have other diseases in the past and present that they will have issues with.

In short, final expense insurance companies will assess all aspects of your health to know what kind of insurance coverage they can afford to offer to match your level of risk.

In the underwriting process, for burial insurance with depression, 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

Now, you may encounter some questions about a disease that you know you may have or had in the past, or possibly, you might think you do or did have but you actually don’t or didn’t…

Hope that made sense and we hope you enjoyed that little tongue-twister *smile*

Now, remember we mentioned that tobacco or substance abuse will most likely appear in the underwriting questions, if you had your share with these, please call us to effectively guide you in this.

These questions may look as plain as it is but it’s very important that you answer them with a help of a highly experienced final expense insurance specialists that can expertly help you answer the underwriting questions with truth and nothing truth while still keeping your best interest in getting the best low-cost insurance coverage possible.

Prescribed Medication History Assessment

Life Insurance denied due to depression? Is it possible to be denied? Now, to explain this part as simple as possible…

This part is the insurance company’s way to investigate or double-check if you have other diseases that you might have failed to mention in the underwriting health questions.

By reviewing an applicant’s prescribed medication history, insurers can discover diseases or health impairments (past and present) of the applicant. And of course, they will know what these medications are for.

So by knowing what medications you were prescribed, they will know what diseases you may have or had in the past.

Furthermore, burial insurance with depression and the logic that they are holding on to in this is that if you were prescribed a medication that is used to treat a disease, then they will conclude that you have that disease.

We hope we explained this clearly, if you have any questions with this, don’t hesitate to reach out to us!

Common Medications Prescribed To Manage Depression In Final Expense Insurance

Do Antidepressants affect life insurance premiums?

Now, these are antidepressant medications that are commonly prescribed. Again, we represent top-rated A+ insurance companies that are perfectly fine with all of these.

Can you get life insurance if you have depression?

So if you had problems getting a simplified final expense insurance policy because you’re taking one or more of these medications below, the only reason for that is you did not get in touch with us in the first place.

Brand NameGeneric Name
Wellbutrin, Forfivo, AplenzinBupropion
Pristiq, KhedezlaDesvenlafaxine
ElavilAmitriptyline HCL
Prozac, SarafemFluoxetine
Paxil, Pexeva, BrisdelleParoxetine
SerzoneNefazodone HCL
SinequanDoxepin HCL capsule
Effexor XRVenlafaxine

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

Simple! Contact us, because we are an independent insurance agency with a team of seasoned final expense insurance specialists that are down-to-earth, friendly, and most of all, honest individuals.

We have helped countless people who are depressed or severely sick and we can certainly serve 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

We here at are formed by a team of independent insurance agents that has access to the country’s top-rated A+ insurance companies that only offers top-tier insurance policies with innovative additional benefits at no extra cost.

In fact, when it comes to burial insurance with depression, we have a masterful knowledge of the underwriting questions, other processes and rates of every insurance company that is friendly to the depressed.

With your details, we can absolutely tell you which company will offer the best possible plan for your condition as being depressed.

Talk to us now! We promise you a simple no non-sense interview process with no pressure at all whatsoever.


Now let’s address some common questions people often have when looking into burial insurance for individuals with depression:

  1. Can individuals with depression secure burial insurance? Absolutely. Although depression can influence the terms and premiums of the policy, it doesn’t necessarily disqualify someone from being able to secure burial insurance.
  2. How does burial insurance with depression ease the financial burden on families? Burial insurance provides a financial safety net that can be used to cover end-of-life costs. This means families won’t have to scramble to find funds or face financial hardship in the wake of their loved one’s passing.
  3. Is burial insurance costly? While costs can vary based on various factors, burial insurance is generally more affordable than traditional life insurance. It is specifically designed to cover end-of-life expenses rather than provide broader coverage.
  4. How does depression influence burial insurance premiums? Depression, depending on its severity and treatment, can be considered a risk factor by insurers, which could lead to higher premiums. However, every insurance company assesses risk differently, and some specialize in high-risk policies, potentially offering more affordable options.
  5. What other factors affect the cost of burial insurance? In addition to health status, factors such as age, gender, and policy specifics (coverage amount and term) affect the cost of burial insurance. Older individuals or those seeking more extensive coverage may face higher premiums.

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Navigating burial insurance when dealing with a mental health condition such as depression can be complex.

Still, with an understanding of the benefits and costs involved, it’s possible to secure a plan that suits your unique needs.

By investing in burial insurance, you’re providing your loved ones with financial protection during an undoubtedly challenging time.

It’s essential, however, to seek professional advice when looking for the most suitable insurance policy.

When it comes to burial insurance with depression, be armed with the right information and support, you can make a decision that provides both financial security and peace of mind.

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