Individuals with schizophrenia can indeed obtain life insurance, but the process may vary depending on the severity of their condition and how well it is managed. Insurance companies typically consider mental health conditions when determining eligibility and premiums. Some factors that may affect the application process include the stability of the individual's condition, the frequency of hospitalizations, and the use of medication to manage symptoms. In some cases, applicants may be required to provide medical records and undergo a medical examination. The insurance company will assess the risk associated with the applicant's condition and determine the appropriate coverage and premiums accordingly. It's essential to be honest and transparent about one's mental health when applying for life insurance to avoid complications later. Some insurance companies specialize in providing coverage for individuals with mental health conditions, so it may be beneficial to research and compare options before making a decision.