Anxiety disorder is a mental health condition characterized by excessive, persistent worry or fear that interferes with daily functioning. It includes diagnoses such as generalized anxiety disorder, panic disorder, social anxiety disorder, and specific phobias. Symptoms may range from restlessness and difficulty concentrating to panic attacks and avoidance behaviors. Anxiety disorders are common and often treatable with therapy, medication, or both. In life and disability underwriting, anxiety disorders are evaluated based on severity, treatment history, stability, and any associated impairment or hospitalization, as they can correlate with increased mortality and morbidity risk.

Underwriters review anxiety disorder histories through attending physician statements and mental health questionnaires, focusing on diagnosis, duration, severity, and response to treatment. Mild, well-controlled anxiety with stable employment and no hospitalizations may be acceptable at standard or mildly rated terms. More severe cases, especially with comorbid depression, substance use, or suicidal behavior, may face stricter underwriting. Advisors can help by normalizing disclosure of anxiety and emphasizing that many clients obtain coverage with manageable conditions. They gather documentation on treatment adherence, therapy participation, and stability. Understanding anxiety disorder in underwriting enables advisors to handle conversations with empathy while anticipating possible rating outcomes.