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 aftermath I would say something like, “What a bunch of crap. All I tried to do was take my life and I accidentally hit my head and now I’m much wackier than I was”.
I see vets, talk to vets, all the time who have had in comparison nuclear wars go on in their brains, unlike my one round knockout loss to a kitchen counter top. So on the one hand I don’t get why I can’t even remember why I tried to take my life to start with. Vaguely I remember there being something about I wouldn’t have to struggle anymore and because my life insurance would pay even for suicide, my wonderful wife who deserves none of this would financially set for life. But that was before the head injury??? I’ve read journal entries from before that day and see no indication of losing it, but after that eventful suicide attempt and brain injury I feel like I’m spinning faster and faster and starting to throw off pieces of my brain. Yikes.
So let’s make something of this article. First of all rest assured that even though I am going through rough times I don’t believe any life insurance agent out there is better qualified by experience to help you depression, anxiety, ADD or bipolar related life insurance issues. Even though I wouldn’t be a good risk myself right now, there are so many people with mood disorders that are well controlled, who have never been hospitalized, who have never even had thoughts of suicide. They maybe take a pill that keeps them focused and then go around succeeding at what life has to offer. Or maybe they take two or three pills but even those close would have a hard time knowing that they were challenged by mood swings or mood disorders. It’s all about how the mood disorder is affecting life and to that extent affecting life insurance rates.
I’ll be honest. I’m not sure how this whole subject of TBI/mood disorder problem will shake out with life insurance, but I’ll know soon. If you feel like you’ve been dealt a low blow by a life insurance company not giving you credit for how well controlled you keep your mood disorder or have been talking to a life insurance agent that really doesn’t understand mood disorders and how to find the best rates, call or email me directly. I can help.
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