Bipolar Disorder Support Group

Bipolar disorder is not just a single disorder, but a category of mood disorders marked by periods of abnormally high energy and euphoria, often accompanied by bouts of clinical depression. This is the place to talk about your experience with bipolar disorder, learn from others' experiences, and find support.

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Mental Health
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Life Insurance

nobody666
nobody666
Has anyone been able to get even term life insurance. The MIB (medical information bureau) has me listed as bp and hypertension but both are conltroled with medication.

If you know where I can find some please let me know. All insurance policies have a suicide clause so I can't figure out why so many companies rule out bp and depression.
deleted_user
deleted_user
The Parity Bill should allow for Mental Health patients to get Long Term Coverage. It was recently signed into Law if I'm not mistaken.
deleted_user
deleted_user
hmmm, i had just been wondering if i could get some life insurance as well and was wondering how the bp would affect things.
deleted_user
deleted_user
i do not have it but when the guy cme around for rates i did not even think to ask about it
nobody666
nobody666
I have had at least 5 companies turn me down after pulling an MIB which is why I requested a copy of it. even credit life companies for coverage of my mortgage.
deleted_user
deleted_user
Im licensed in LH and A insurance. I signed up for a whole life policy before I was diagnosed. It depends on the company and the underwriters they use. You can get term, but it will either be difficult to find underwriters willing ok it, or else the rate will be very hard.

Once you have a illness/ disease that affects any part of you medically where you need medication to maintain, your considered an inherent risk. Agencies dont like taking risks on ppl with mental illnesses.