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Posts Under bipolar risk Category

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...
I Miss You Already Robin Williams!

I Miss You Already Robin Williams!

Even through all of his battles with bipolar disorder and major, chronic depression, Mr Williams kept his world together by making us all laugh. He had so little that was funny in his personal life, but he loved the world so much that he gave it all for us. You are loved and we miss you already. I pray that you are finally at peace.
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...
Are You Feeling A Little Anxious These Days?

Are You Feeling A Little Anxious These Days?

We’ve talked over the years about how a little anxiety or a little depression seems like an appropriate response to the world and especially the country we live in. We live in a country where type A work personalities are given gold stars and where the non stop feeding tube of TV provides any number of reasons on any day to be feeling a little down. Take today for instance. We’re about...
Mortality Risk In Mood Disorders?

Mortality Risk In Mood Disorders?

We’ve talked a lot about how the risk of mild or past mood disorders rarely get a fair shake from life insurance underwriters. Recently a few of our best companies when it comes to mood disorders from depression and anxiety to bipolar disorder, have changed their view on the actual mortality risk and while companies are free to change their minds and go where they believe they need to, we ta...
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...