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Life Insurance with Post Traumatic Stress Disorder.

While it is true that many life insurance companies will decline will automatically consider someone who has been diagnosed with Post Traumatic Stress Disorder, there are a few companies that will be willing to at least consider someone with PTSD as potentially eligible for traditional coverage.

The key, therefore…

Becomes understanding which companies might be willing to insure someone with PTSD and centering one’s focus on just working with those companies right from the start!

The good news is that…

Because we here at IBUSA focus on helping individuals with pre-existing medical conditions find quality life insurance policies, we continue to strive to ensure that our clients will have plenty of options when it comes time to deciding what type of life insurance policy they wish to purchase to protect their family!

And this is something that…

We are continually working on, after all, according to the Nebraska Department of Veterans Affairs, has been estimated that approximately 7.8% of all Americans will at a certain point in their lives experience Post Traumatic Stress Disorder (PTSD), with women (10.4%) being twice as likely as men (5%) to develop PTSD.

This is also why we here at IBUSA have also chosen to write this article so that we can enlighten people on what PTSD is and how insurance companies “view” applications from individuals with a history of PTSD.


PTSD is a psychological condition that is caused by constant mental and emotional anxiety, which occurs as a result of physical injury or psychological shock.

For people that have passed through a difficult time, calling the effects of intense stress and trauma, a “disorder” is not fair in any way. This is the reason a Medal of Honor winner had this to say about PTSD:

“If you just call it stress, what it really is, it explains the fact that it’s a natural reaction to a traumatic experience. It’s our body’s and mind’s natural reaction to try and remember and avoid those situations.”

Symptoms of PTSD may include:

  • Abnormal mood swings which may include agitation, irritability, hostility, and hypervigilance.
  • Vivid flashbacks of the causal event.
  • Insomnia and/or nightmares.
  • Self-destructive behavior.
  • And possible social isolation as well, as emotional detachments, is also very common.

The treatment for PTSD often includes:

Both therapeutic techniques that will be used include cognitive-behavioral therapies, eye movement desensitization and reprocessing therapy, and exposure and response prevention as well in addition to prescription medications (mainly Selective Serotonin Reuptake Inhibitors).

It has been identified that a stressful event can trigger PTSD, and the main problem in treating it is that the brain’s mechanisms that trigger PTSD are yet to be identified.  Although physicians and researchers don’t fully understand the “why” behind PTSD, it has been discovered that it can be fully treated and managed, which is good news for those that are suffering from this disorder.


Life insurance companies view PTSD as a medical condition that can never be fully cured. Once a person has been diagnosed with PTSD the life insurance company never changes its view of the person even if the person has been successfully treated.

There are a lot of medical conditions that life insurance companies treat the same way as PTSD, so people suffering from this condition should not feel discouraged. Examples are someone that had a heart attack ten years ago; the life insurance company will always view that person as someone that has a heart attack even if the person is now completely healthy today.


It is pretty easy and straightforward; we need to convince the life insurance company that even though you were diagnosed of PTSD in the past, you have now successfully managed or treated the condition. This can be achieved by applying for a fully underwritten term or permanent life insurance policy that requires that you:

  • Complete a thorough life insurance application.
  • Take a medical exam.
  • Allow the insurance company to order a prescription database check.
  • And allow the insurance company to have access to your medical records so that you can document that you’re in good health

All the life insurance company wants you to do is take a medical exam and, they also want to review your medical records and see what kind of medication you have been taking.

Below are the common questions that will be asked by life insurance companies when it comes to PTSD:

  • When were you first diagnosed with PTSD?
  • Who diagnosed your PTSD? A general practitioner or a psychiatrist?
  • How long have you been treating you PTSD?
  • What treatment methods are you using?
  • What medications if any are you using to treat you PTSD?
  • Have you ever been hospitalized for you PTSD?
  • Have you ever attempted suicide or contemplated suicide?
  • Do you have any history of drug or alcohol abuse?
  • Do you have any issue with your driving record such as a suspended license, multiple moving violations or DUI’s?

After going through the questions above, the insurance companies and we at IBUSA will have and informed opinion about whether you can qualify for a fully underwritten term or whole life insurance policy and what rate class you most likely qualify for.

After all this, it important to let you know that because you have been diagnosed with PTSD, many of the “best” rate classes such as Preferred and Preferred Plus probably won’t be available to you.

But so what!

There are over 14 different rate classes when it comes to getting approved for life insurance, and only a very small percentage of the population can qualify for a Preferred or Preferred Plus rate class anyways!

The trick is, finding a life insurance company that will offer the lowest possible price for the rate class that you can qualify for.  And this is exactly what we try to do!

So, what are you waiting for?  Give us a call today and see what we can do for you!

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