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Posts Under mood disorder life insurance Category

The 4th Of July Parade of ADD or  ADHD Challenged!

The 4th Of July Parade of ADD or ADHD Challenged!

You got it. Attention Deficit Driving or Aggressive Disoriented Hyperspeed Driving. I thought I could hide these morons behind simple mood disorder terms and get away with talking about mood disorders and life insurance, but alas I, and more importantly, my Dog, were nearly killed by one of these yesterday. I never tire of the beauty and grandeur of the Heart of the Rockies, that area of Colorado...
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...
How Major Is The Life Insurance Risk Of Your Minor Depression?

How Major Is The Life Insurance Risk Of Your Minor Depression?

The question posed and so many other questions like it are the base on which Risk Life and other true impaired risk life insurance agencies are built. The life insurance industry was built on the “bucket underwriting format” where all people with depression or even a past history of depression are put in a bucket that already has a pre-determined underwriting outcome. Essentially the...
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...
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...
Has USAA Life Insurance Gone Bonkers?

Has USAA Life Insurance Gone Bonkers?

I know it’s not funny to the people affected, but when a life insurance company attaches a standard rate risk to someone with mild OCD, well controlled with Prozac, we have a chuckle and then get to work finding them the preferred plus rate they should have received. But to some companies, in this case USAA, if it says standard in the underwriting manual then no matter how absurd the decisio...
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...
Mood Disorder Risk Life Insurance!

Mood Disorder Risk Life Insurance!

The life insurance industry has managed to hold off progress in mood disorder risk underwriting for way past a time period that would indicate that they were just being cautious, but in many ways their understanding or lack of it is nothing more than a mirror of society. In the 21st century it’s clear that some of the stigma that comes with being a touch mentally out of balance is gone. But not...