I’m not sure what you mean by underwriting it and declining coverage anyway. But you’re correct, it is challenging to get somebody approved for taking medication relating to anxiety/depression. If they have a history of being hospitalized, they will not approve the underwriting.
It’s surprising that your wife got declined for being 10 lbs under weight. If that was truly the only problem, I’d be able to get that approved through just about anybody. Which company did you use?