Depression is the one mental health condition that can really drive up your life insurance rate, and for good reason: When this psychological condition becomes severe, it can lead to suicide.
"With depression, there really is a spectrum," says Goldstein. "Some can be very favorably written and even could be preferred, depending on the degree, the severity and how well it is managed."
But the story can be much different at the opposite end of the depression scale.
"If you had someone who had severe, major depression, lots of hospitalizations, lots of suicide attempts, that individual would not be rated as favorably, and possibly might not even be insurable," she says.