How To Get Burial Insurance With Depression (2022 Guide)

Read What Our Clients Say About Us

Do you know how to get burial insurance with depression? It’s a tough question and we’re here to answer it. The first thing you’ll want to do is find out if your company offers this type of insurance coverage.

If they don’t, you may be able to purchase it as an individual plan from a health insurance provider or broker. When purchasing burial insurance, make sure the policy covers at least $10,000 for funeral expenses and up to $2 million in death benefits total for a family of four people.

You can also consider life insurance policies that offer additional death benefits in case someone dies by suicide or accident before retirement age – these are often called accidental death riders (ADR).

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.

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.

Can You Get Burial Insurance If You Have Depression

The good news

Depression will not be the problem in qualifying for the lowest costing burial or final expense insurance coverage with immediate insurance coverage starting from day 1.

This plan is usually called “simplified”, “preferred”, or “level” by the insurance companies.

By far, the majority of final expense insurance companies are not really in the lookout for applicants with depression. Actually, it’s really rare to come across a top-rated burial insurance company that mentions the word “depress” or “depression” in their underwriting questions.

Another good thing is that, unlike life insurance, you will never need to go through meticulous medical or physical exams.

So, remember, if you’re worried about having a hard time getting a burial or final expense insurance secured like life insurances out there, don’t be…

You will be accepted with welcome arms.

So, to put things in perspective, now that you know that you can pretty much get the lowest cost on final expense insurance, “what’s the next step?” You ask.

To get a simplified insurance plan, you need to go through an underwriting process.

Depression Underwriting Process Of Final Expense Insurance Companies

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!

Because the only way that you will encounter the word depression in the underwriting is that you did not move forward with us here at

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, 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

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, 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.

  • 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, 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.

We have a masterful knowledge of the underwriting questions, other processes and rates of every insurance company that is friendly to the depressed.

What we only need from you is a little bit of your time to know your details.

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 that you know how to get burial insurance with depression, all you need is a quote. The experts at Insurance For Burial are ready and waiting to help answer any questions or concerns about your final expense plan. We want to partner with you in creating the best funeral insurance package for your needs as soon as possible so give us a call today!