Published company evidence
Read the context behind each recommendation, including the study it came from and the limits of what the evidence can show.
272 published fit reviews
Corebridge Financial is a mixed fit for life insurance with depression. Its guaranteed-issue final expense policy for ages 50-80 skips health questions entirely, but coverage caps at $25,000 with a two-year limited death benefit.
Prudential is a good fit, with meaningful uncertainty, for a buyer with bipolar disorder who is stable, in consistent treatment, and able to complete full medical underwriting. It publishes no bipolar-specific rule, acceptance guarantee, or price, so approval and rating stay case-specific.
John Hancock is a mixed-to-good fit for life insurance with a history of depression. It offers term life with Vitality mental well-being rewards, but publishes no depression-specific underwriting table, so acceptance and rates cannot be confirmed from public materials.
Pacific Life is a mixed-to-good fit for life insurance with a depression history. PL Promise Term offers accelerated underwriting up to $3 million for ages 18-60 and conversion without new underwriting, but depression-specific approval odds and rates stay unverifiable before an informal review.
Lincoln Financial is a mixed-to-good fit for life insurance with a history of depression. Lincoln TermAccel Level Term is the strongest path, with electronic underwriting and possible lab-free approval, but Lincoln publishes no depression-specific term rules, so severe or recent histories need broker pre-underwriting.
Banner Life is a good, but not universally strong, fit for life insurance when the applicant has a history of depression.
Prudential is a good, but not guaranteed, fit for life insurance with a history of depression. All seven AI platforms named it, and it ranked first overall, but no depression-specific underwriting grid or premium is published, so approval and price stay uncertain until formal underwriting.
State Farm is a mixed fit for a U.S. consumer with epilepsy or a seizure disorder. Two of seven platforms named State Farm during the ranking stage, and all seven that evaluated it rated the fit as mixed or uncertain.
AARP life insurance Program (issued by New York Life) is a mixed fit for life insurance with epilepsy or a seizure disorder. Two of the seven platforms named it during the ranking stage, and all seven that evaluated it rated the fit "mixed." The strongest reason to consider it is the Guaranteed Acceptance Life…
Lincoln Financial is a mixed fit for life insurance with epilepsy or a seizure disorder. Its published underwriting materials address epilepsy, but no epilepsy-specific term underwriting grid, rate class, or approval data is public, so eligibility and price cannot be predicted in advance.
Gerber Life is a mixed-to-good fit for life insurance with epilepsy or a seizure disorder, but only through one product: Gerber Life Guaranteed Life Insurance, a guaranteed-acceptance final-expense whole life policy.
Pacific Life is a mixed fit for life insurance with epilepsy or a seizure disorder. It documents epilepsy in underwriting materials and offers PL Promise Term with conversion flexibility, but publishes no seizure-specific rules or pricing.
