PTSD, or post-traumatic stress disorder, is a psychiatric condition that can develop after a person experiences or witnesses a traumatic event such as combat, assault, severe accidents, or natural disasters. Symptoms include intrusive memories, nightmares, avoidance behaviors, negative changes in mood and cognition, and heightened arousal or reactivity. Severity ranges from mild, manageable distress to severe impairment affecting work, relationships, and daily functioning. Treatment typically involves psychotherapy, such as cognitive behavioral therapy or EMDR, and sometimes medications. For life insurance underwriting, PTSD is relevant because it may be associated with depression, substance use, and elevated suicide risk, especially when symptoms are severe or poorly controlled.

Underwriters reviewing files that mention PTSD evaluate diagnosis date, cause of trauma, treatment history, current stability, and any history of suicidal ideation, attempts, or psychiatric hospitalization. Veterans and first responders with PTSD may still be insurable, particularly when receiving consistent care, maintaining employment, and showing long-term stability. Advisors working with clients who have PTSD can help by gathering recent therapist or psychiatrist notes that document progress and risk assessments. Mild, well-controlled cases may qualify for standard or modestly rated offers, while severe, unstable PTSD often leads to postponement or decline. Sensitive, respectful conversations about PTSD help clients feel supported while also addressing legitimate underwriting concerns.