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Posts Under suicide Category

What’s Clear About That?

What’s Clear About That?

It probably never was simple or clear even when it was just US based contractors simply running around Iraq and Afghanistan rebuilding infrastructure and buildings that our armed forces had methodically dismantled. Now, and maybe back then, there are people serving companies in every conceivable dangerous place and war zone in every conceivable dangerous job including anti terrorism consulting (?)...
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...
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...
What’s The Risk In Life Insurance With Suicidal Ideations?

What’s The Risk In Life Insurance With Suicidal Ideations?

We have a lot of clients with mood disorders that span the range from grumpy to bipolar disorder and whenever we interview a client for mood disorder life insurance we always ask about suicidal thoughts and/or attempts. I think everyone can agree with the obvious life insurance risk if someone has attempted suicide, although even that can be overcome with time. But suicidal thoughts, ideations, wh...