Affordable Life Insurance Protection for Your Family

Agoraphobia Life Insurance

Life Insurance for People with Agoraphobia


Do You Have Agoraphobia and Need Life Insurance?

If so, you may have found it very difficult, if not impossible, to get insured for life insurance due to your mental health issues.

Many insurers will turn down people with anxiety, depression, Bipolar, or those with Agoraphobia – But, don’t get frustrated, you may still have another option.

In fact, there are life insurance plans available with "Guaranteed Acceptance".

Top Pick – Mutual of Omaha

Mutual of Omaha offers guaranteed acceptance whole life insurance for people age 45 to 85. Choose $2,000 up to $25,000 of coverage. Rates start as low as $8.84 per month. There’s no medical exam and no health questions. You cannot be turned down. You can get a quote and apply online now. START HERE to get a FREE Quote.


Guaranteed coverage means, you cannot be denied life insurance, if you meet the age requirements.

These Guaranteed Issue policies may be available for anyone age 45 to 85.

And, you don’t have to take a health exam, or answer any questions about the status of your health.

So, what’s the catch? I’m glad you asked.

Guaranteed life insurance comes with limited (graded) death benefits the first two years you are insured.


Guaranteed Issue Life Insurance features include:

  • Limited Amount of Coverage
  • Limited Age for Approval
  • Graded Death Benefits First Two (or Three) Years Insured


You may be able to buy from $3,000 up to $25,000 of life insurance from any one specific insurance company. 

The ages for acceptance will vary by insurer, but one carrier offers guaranteed insurance for people ages 45 up to 85.


What are Graded Benefits?

This is probably the most important feature regarding guaranteed life insurance policies. And, it’s the reason you can get life insurance with a health condition.

Graded benefits mean you have limited coverage the first two years (or 3 years) you are insured. 

That’s how the insurance company can accept you for coverage and not lose a bunch of money because you got life insurance when you were terminal, or had a pre-existing health condition.

Basically, if you pass away during the first two years you are insured, the insurance company pays out the premiums you paid, plus interest.

However, if you pass away after the graded benefits period (after two years), the full death benefit is paid put to your beneficiary – free from federal income tax.


Can I Own More Than One Life Insurance Policy?

Yes, you may purchase guaranteed life insurance coverage from two or more life insurers. So, if you want more than $25,000 of life insurance you can get it, if you can afford the premiums.


Will My Premiums Ever Increase?

No. You pay the same premiums each month (or annually) and the premium does not increase during the life of your policy.


Will the Amount of Life Insurance Ever Decrease?

No. The amount of insurance provided by your policy remains the same for the life of your policy. 


What If I Want to Cancel?

You can cancel your life insurance policy at any time.


Money Back Guarantee

If you cancel your life insurance policy within the first 30 days you are insured you get 100% of your premiums back from Mutual of Omaha, which offers guaranteed acceptance plans. 


Can I Buy Life Insurance for My Spouse, Too? 

Yes. A husband or wife may purchase life insurance on their spouse because they have an insurable interest in their spouse.


Life Insurance Quotes


Top Pick – Mutual of Omaha

Mutual of Omaha offers guaranteed acceptance whole life insurance for people age 45 to 85. Choose $2,000 up to $25,000 of coverage. Rates start as low as $8.84 per month. There’s no medical exam and no health questions. You cannot be turned down. You can get a quote and apply online now. START HERE to get a FREE Quote.

  • Your life insurance policy comes with a 30 day Risk-Free, Money-Back Guarantee

Highly Recommended – JRC Insurance Group

JRC Insurance Group helps you shop, compare and save on life insurance. Regardless of your age or health background, we'll shop our 40+ insurance companies and find you affordable life insurance you need to protect your family and fit your budget. Compare the best life insurance rates for savings up to 73%. Get Your FREE Quote.

Highly Recommended – Globe Life Insurance

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Agoraphobia Explained


Agoraphobia Statistics

As many as 20% of people living with a panic disorder, including agoraphobia attempt suicide.

This is one of the main reasons many life insurance companies may not offer to insure people living with agoraphobia.

Because, although all life insurance policies exclude suicide, the exclusion is for suicide that occurs within the first two years of being insured (one year in some states).

Approximately 1.8 million American adults age 18 and over, or about 0.8 percent of people in this age group in a given year, have agoraphobia without a history of panic disorder. The median age of onset of agoraphobia is 20 years old.

Agoraphobia affects about 3.2 million American adults between the ages of 18-54 and 4.9% of the adult population.


What is Agoraphobia?

Agoraphobia is an anxiety disorder that involves intense fear and anxiety of any place or situation where escape might be difficult. Agoraphobia involves avoidance of situations such as being alone outside of the home; traveling in a car, bus, or airplane; or being in a crowded area.

Agoraphobia (ag-uh-ruh-FOE-be-uh) is a type of anxiety disorder in which you fear and avoid places or situations that might cause you to panic and make you feel trapped, helpless or embarrassed. You fear an actual or anticipated situation, such as using public transportation, being in open or enclosed spaces, standing in line, or being in a crowd.

The anxiety is caused by fear that there's no easy way to escape or get help if the anxiety intensifies. Most people who have agoraphobia develop it after having one or more panic attacks, causing them to worry about having another attack and avoid the places where it may happen again.

People with agoraphobia often have a hard time feeling safe in any public place, especially where crowds gather. You may feel that you need a companion, such as a relative or friend, to go with you to public places. The fear can be so overwhelming that you may feel unable to leave your home. (Source: Mayo Clinic)


Panic Disorder – Anxiety and Depression

Panic disorder can interfere a lot with daily life, causing people to miss work, go to many doctor visits, and avoid situations where they fear they might experience a panic attack. The interference is greatest when people also have agoraphobia, as well as panic disorder. (Source:


Symptoms of Agoraphobia

  • Typical agoraphobia symptoms include fear of:
  • Leaving home alone
  • Crowds or waiting in line
  • Enclosed spaces, such as movie theaters, elevators or small stores
  • Open spaces, such as parking lots, bridges or malls
  • Using public transportation, such as a bus, plane or train
  • These situations cause anxiety because you fear you won't be able to escape or find help if you start to feel panicked or have other disabling or embarrassing symptoms.
  • In addition:
  • Fear or anxiety almost always results from exposure to the situation
  • Your fear or anxiety is out of proportion to the actual danger of the situation
  • You avoid the situation, you need a companion to go with you, or you endure the situation but are extremely distressed
  • You experience significant distress or problems with social situations, work or other areas in your life because of the fear, anxiety or avoidance
  • Your phobia and avoidance usually lasts six months or longer


Signs and Symptoms of Agoraphobia

The primary symptom is the intense fear of being in a wide-open area or in a crowded mall, airport or train station. Some additional symptoms that may indicate a person is dealing with agoraphobia include:

  • Hyperventilating
  • Fear of humiliation
  • Feeling of loss of control
  • Nausea
  • Dizziness
  • Fear of a panic attack
  • Depression
  • Anxiety


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