Tuesday, January 5, 2010

Life Insurance Premums and Anti Depressants?

Do antidepressants affect life insurance premiums?

The answer depends on the life insurance company you contact for coverage, and your personal health and history of use of the antidepressants.

Most life insurance companies have a set of underwriting guidelines for whether or not they will accept you for life insurance coverage, and what rate they will charge you for your policy.

Among the factors affecting your rate for life insurance are your health, family health history, driving record, height-to-weight ratio, use of prescription drugs, use of illegal drugs, age, gender, occupation, hobbies, and whether or not you smoke, etc.

The healthier and younger you are the lower your rate for life insurance, usually.

Use of antidepressants is a sign of a health issue that may affect your rate and approval for life insurance.

However, depending on how long you have been taking the prescription, and your health, you may be able to qualify for coverage.

One way to find out how much it may cost you for a policy is to request your free term life insurance quotes online.

There's no obligation, no hassles, and it only takes a few minutes to receive your quote comparisons from several leading life insurers.

In order to get the most accurate rate quotes, make sure you answer all questions truthfully on the quote request form.

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