Mental Health Risk Life Insurance
The mortality risk associated with mental disorders has been blown out or proportion in mental health risk life insurance underwriting until the last 5-10 years. Most middle of the road companies still won’t approve even mild situational depression at any better than a standard rate, but some of the cutting edge companies are treating mild mood disorders the same as treated cholesterol. If the problem is under control, no harm, no foul. The best rate class is available. Even well controlled more serious mood disorders like bipolar can be underwritten where in the past it was an automatic decline. Don’t assume you’ve got the best approval unless it’s been shopped by Risk Life.