At some point in your life, you might experience a temporary battle with your mental health. However, for some, depression, anxiety, bipolar disorder, ADD, ADHD are part of everyday life with mental illness. Learning to manage your condition can be challenging, but with the help of modern medicine, talk therapy, exercise and healthy eating you can go on to live a long happy life.
But let’s be honest, the added stress of worrying about your family while managing your mental illness can be more than you can take. Watch, or read, our video below and learn how you can protect your family, so you can get back to managing your mental health.
If we’re talking typically depression and anxiety that’s one thing. When you start getting into ADHD and ADD those situations are all pretty much the same. Under control with medication yes we can typically get offers. A lot of the offers will depend upon how many medications you’re on. Typically if you’re being treated for depression and you’re on one med you could get preferred rates. If it’s what they call situational depression where perhaps it’s a divorce, somebody in the family died and you’re on medication for say a six month period and now you’re past that – a years gone by, you are no longer on meds, you’re not being treated then preferred rates are definitely possible.
If it’s ongoing depression any suicidal thoughts, suicidal attempts within five to ten years it can be a problem. If there has been a suicide attempt the more time that goes by the better off we’re going to be. If it’s within five years or longer generally speaking we can get an offer depending upon the circumstances and what type of suicide attempt was done at that point.
Again sometimes it can be you know someone tried to slash their wrists or someone over medicated something of that nature – again it’s situational. What occurred and how long ago would depend upon whether or not we would get an offer from a carrier but your typical depression, anxiety, having difficulty dealing with the situation at work or whatever the case might be – one medication and we usually get a favorable offer. If you’re on two or three different types of meds we could find a table rating or possibly decline you depending upon circumstances.
ADD/ADHD usually we will see offers in the standard to table two range with those conditions but again possible. Very possible depending upon circumstances, how often you see your doctor are you compliant with your meds? Do you take your medication when you’re supposed to?
Bipolar as an example can, depending upon again circumstances and severity – have you lost any time at work? Have you been hospitalized because of the bipolar? If none of these things have occurred offers are generally very good we can maybe get a table – maybe even a standard offer with bipolar depending upon whether we’re talking bipolar one bipolar two and so forth.
Kudos to you for thinking of your family while dealing with the heavy emotional strain that is mental illness. There are many options for protecting your family and life insurance is a great choice!
