So…what, exactly is PTSD? The Mayo Clinic defines it as a mental health condition that’s caused by an extremely stressful or terrifying event — either being part of it or witnessing it. Symptoms may include flashbacks, nightmares, severe anxiety and uncontrollable thoughts about the event. And, because “extremely stressful” and “terrifying” are subjective reactions, PTSD can affect anyone at any time. The good news is that PTSD can be managed through a combination of therapy, medication, self-help strategies, and strong social support so clients with this disorder may qualify for life insurance and critical illness coverage.

Insuring clients with PTSD

For insurance purposes, we will assess PTSD similarly to anxiety or depression and will consider the total picture. There are often multiple factors to consider. Some of those could include lack of disclosure due to stigma and misunderstanding, long wait times to access symptom specific care, sleep issues leading to daytime fatigue which in turn can lead to employment issues as well as accidents.

Each individual’s journey is unique, and what works for one person may not work for another. However, with persistence and the right resources, many people have successfully managed their PTSD, lead fulfilling lives and got insured for life and CI.

We encourage you to consult page 6 of our Field Underwriting Pocketbook. Your dedicated sales team and I are also available to support you with inquiries.

Advice you can offer your clients with PTSD

There are a number of ways PTSD can be managed, and it is often a combination of approaches that leads to success. Your client should be encouraged to contact their primary care physician to discuss treatment options.