Mental health therapy encompasses a wide range of professional treatments designed to address emotional, behavioral, and psychological challenges. These interventions include individual psychotherapy, cognitive behavioral therapy, medication management, group counseling, and specialized modalities such as dialectical behavior therapy, trauma-focused therapies, and family counseling. Mental health therapy is used to treat conditions like depression, anxiety disorders, bipolar disorder, post-traumatic stress disorder (PTSD), substance use disorders, and adjustment reactions. From an insurance standpoint, engagement in ongoing therapy can be viewed as a positive factor, demonstrating treatment compliance and stability, even though the underlying diagnosis may elevate risk. Underwriters focus on diagnosis, severity, duration, hospitalizations, medications, functional status, and any history of self-harm when evaluating applicants who are in or have completed mental health therapy.

In everyday practice, mental health therapy appears on insurance applications in responses to questions about counseling, psychiatrist visits, or medications for mood or anxiety disorders. Producers often ask follow-up questions so they can provide underwriters with a clear picture of why therapy was started, how long it has continued, and what the current status is. When therapy is associated with situational stress-such as grief or divorce-that has resolved, some carriers are comfortable offering standard or near-standard rates. In contrast, recent hospitalizations, multiple medication changes, or ongoing severe symptoms may lead to ratings, postponements, or declines. Advisors can help by encouraging clients to obtain summary letters from treating providers describing stability, adherence, and prognosis. Transparent documentation of mental health therapy supports more accurate underwriting decisions and reduces surprises later, particularly during claims reviews in the contestable period.