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Posts Under bipolar life insurance Category

Crazy Life Insurance Agent! Run For Your Lives!!

Crazy Life Insurance Agent! Run For Your Lives!!

Could it be true? Could the best of the best at mood disorder life insurance have slipped a cog, missed a gear, dropped his paddle in white water rapids and become one of them? One of you? I can tell you that for the last six months my life, my reality has been turned upside down by a little talked about cause of craziness, traumatic brain injury. If there was anything to laugh about in the afterm...
Is Your Anxiety Really A Life Insurance Mortality Risk?

Is Your Anxiety Really A Life Insurance Mortality Risk?

Mood disorders have varying degrees of control just like any physical disorder. If you are type 2 diabetic and have an A1c that stays in the mid 6’s because you tend to the business of monitoring and treating the disease, it’s considered well controlled by life insurance underwriters and is rewarded with better approved rates than if your A1c averaged 8.5. If you used to weigh 250 poun...
CEO Life Insurance Declined?

CEO Life Insurance Declined?

Surely that can’t be right. CEO’s are the rich and powerful and, well, they should just get their way. Right? ,And surely life insurance companies know better than to blow off a center of influence. The average life insurance agents dream about working with CEO’s and executives, but what the average life insurance agent doesn’t dream about or plan for is the case being decl...
HIV Risk Life Insurance Hasn’t Left The Radar!

HIV Risk Life Insurance Hasn’t Left The Radar!

We’ve been relatively quiet for the last month or so as we let the search engines digest all that was fed in concerning the good news about new life insurance approval opportunities for those who are HIV positive and and are keeping the situation well controlled. There was one change since we first broke the news, that being that term life insurance for HIV was removed from the available pro...
Bipolar Life Insurance Risk Discussed!

Bipolar Life Insurance Risk Discussed!

We work with a lot of life insurance clients who have mood disorders and their assumption about mood disorder underwriting and why so many companies don’t give a fair look, is that the companies are worried about potential suicide. It’s our opinion that if you take a survey of the population of average folks and those with well controlled mood disorders, including bipolar disorder, the...
How Medication Can Affect Life Insurance Risk Analysis!

How Medication Can Affect Life Insurance Risk Analysis!

What medication you take for any particular impairment, whether physical or mental can have an impact on how an underwriter weighs the life insurance risk in your application. We recently shared how a simple change from Lipitor to Plavix rightly raised a life insurance underwriter’s eyebrows. Both are used to prevent plaque build up in arteries, but Lipitor is primarily used to manage lipid...
What Drives The Life Insurance Risk With Bipolar Disorder?

What Drives The Life Insurance Risk With Bipolar Disorder?

The life insurance underwriting world is full of misconceptions, mostly because the average person doesn’t have access to and very likely wouldn’t understand the mortality and actuarial risk assessments that drive life insurance. And all too often life insurance underwriting and medical treatment and advice don’t match. Your doctor can say you’re doing just fine and he̵...