Suicide attempt history refers to any prior self-harm actions undertaken with at least some intent to end one's life, regardless of whether the attempt resulted in serious injury. Such history is a significant risk marker for future suicidal behavior and is closely associated with underlying mental health conditions such as major depression, bipolar disorder, or substance use disorders. For life and disability insurers, a suicide attempt history raises concerns about increased mortality and morbidity risk and requires sensitive yet thorough underwriting assessment. Key factors include timing, circumstances, psychiatric diagnoses, treatment, and stability since the attempt.

Underwriters approach suicide attempt history with careful evaluation of psychiatric records, hospitalization reports, therapy notes, and current mental health status. Recent or multiple attempts often lead to postponement or decline, while a single, remote attempt with long-term stability and strong treatment adherence may eventually be considered for coverage, usually with significant ratings. Advisors can support clients by encouraging full disclosure, gathering comprehensive records, and setting realistic expectations about underwriting outcomes. They also emphasize crisis resources and ongoing mental health care. Understanding suicide attempt history in underwriting helps advisors handle highly sensitive cases with empathy, discretion, and an emphasis on safety and support.