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[quote=Anonymous]Former agent here.

OP, normally a life ins co will ask about prior medication and medical history because all of that factors into the risk of insuring you and the cost of a policy. Adverse selection kwim. Someone young and healthy is easy and cheap to insure. Someone older with a lot of health problems, famly history of diseases and so on is more difficult to insure and potentially much more expensive.

Taking antidepressants, well, a lot of people have taken those; that does not automatically disqualify you from most companies. Not all insurers would turn you down simply for having used antidepressants. Some might..or they might turn you down if you were diagnosed with a mental illness. Sorry but it happens. Some companies turn people down for being obese, for having high blood pressure, for having a heart condition, etc. A risk factor adds to the cost of the policy.

I once applied for life insurance and approval was delayed until they checked into a mammogram I was asked to redo. It wasn't cancer, it was just tissue, everything was ok, still they questioned it and the price increased because of that.

One thing that's important - don't try to cover up your medical history, meds etc. Insurance companies have access to your medical past through a place known as  MIB (Medical Insurance Bureau) that usually contains all general medical history, hospitalizations, meds, everything...yeah you could say big brother is tracking everything. So when applicants lie they will find out. If you are turned down by a life ins co that will also become part of the records at MIB. 
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