The title of our discussion today is “How to Choose the Right Burial Insurance for Bipolar Disorder in 2023.”
It’s essential to highlight right off the bat that burial insurance for bipolar disorder is not the same as regular or bipolar life insurance. And yes, this distinction matters!
Are you living with bipolar disorder?
Do you have a loved one navigating life with this condition?
If so, then you’ve landed in the right place! This blog post is all about a significant topic: Bipolar life insurance.
In today’s world, funeral costs can be overwhelming, sometimes escalating to tens of thousands of dollars, heavily influenced by the location of your loved one at the time of death.
Here is where burial insurance steps in. This coverage ensures these significant costs remain manageable, aligning with any budget constraints you may have.
Best of all, broaching this subject with an insurance agent doesn’t need to be an intimidating ordeal. You can simply reach out to us today to kick-start the process!
Our team is here, ready and willing to help you navigate this important decision, making sure you’re on the right path to securing peace of mind for yourself and your family.
Final Expense Insurance For Bipolar Disorder
Is bipolar disorder a pre existing condition?
Above all, Bipolar disorder pre-existing conditions can be confusing to you when you are shopping for the best final expense insurance. You will have a ton of questions. The main question that we face daily is, Is bipolar disorder a pre-existing condition?
Overall, we are very happy to tell you that getting low-cost burial or final expense insurance after being diagnosed with bipolar disorder will be easy.
Is bipolar disorder a pre-existing condition?
YES! In fact, it is a qualified health impairment that we specialize in.
In addition, being diagnosed as bipolar may have some major life-changing impacts… It is a pre-existing medical condition in the eyes of the carrier.
Can you get life insurance with schizophrenia or bipolar disorder?
Yes, Absolutely! Moreover, read on and you will shortly learn that being manic-depressive will have very little to no effect on the qualities of coverage you will be offered.
Insurance Companies And Bipolar Disorder
Can I get burial insurance for my parents with bipolar disorder? That is a great question! Yes, you most certainly can achieve this goal. In fact, most of our client’s adult children call us on a daily basis to help their parents with this goal!
In general, insurance companies will readily offer the lowest rates with immediate insurance coverage to an applicant with bipolar disorder. It’s not common for insurance companies to look closely at bipolar applicants or any other mental health consumers.
Bipolar Disorder Underwriting Process
The truth about bipolar disorder life insurance underwriting… What you need to know Today!
All in all, the lowest rates with immediate insurance coverage from day 1 are called “simplified”, “preferred” or “level” depending on the insurance company.
With this in mind, In order for you to qualify for a simplified insurance plan, you need to apply for burial or final expense insurance with simplified underwriting.
Likewise, for other health illnesses for underwriting, there will be 2 aspects that insurance companies will take into account for assessment.
- Health questions
- Prescription history assessment
Also, your health and history of prescription will be examined if you have any other health conditions, when you had it, if you were treated or how long you’ve had it.
Another key point is it’s important to know that being bipolar will result in having a mental disorder similar to schizophrenia, PTSD, and/or Depression/anxiety.
Can You Get Life Insurance If You Have Bipolar Disorder
YES, you can!
Underwriting Health Questions
To point out, insurance companies do not really watch out for bipolar disorder mental health problems. The questions from insurance companies underwriting will not mention words closely similar to mania, bipolar, manic depression, etc.
In other words, if an insurance company does not specifically ask for a health illness, it means they are not strict about it and they will have no problem issuing final expense insurance at low cost with immediate insurance coverage.
Therefore, if your insurance agent is saying that he might have some problem finding a good insurance company for bipolar disorder, it’s time to move on and find another agent.
By the same token, a final expense insurance company that directly asks about bipolar disorder is unheard of. Most likely, the health questions will ask about other health conditions that you may have.
Underwriting Prescription Assessment
Can you get life insurance with mental illness? For the most part, for other health illnesses for underwriting, insurance companies will assess your prescription history for cross reference and discover if you have any other underlying health illnesses they are not ok about.
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Do Antidepressants Affect Life Insurance Premiums
To explain, common bipolar disorder medications include mood stabilizers, antipsychotics, antidepressants, and anti-anxiety medications- and insurance companies will have no issues with these medications at all.
Here are the common medications that bipolar disorder patients are taking:
- Aripiprazole (Abilify)
- Asenapine (Saphris)
- Carbamazepine (Tegretol, Equetro, Others)
- Divalproex Sodium (Depakote)
- Lamotrigine (Lamictal)
- Lithium (Lithobid)
- Lurasidone (Latuda)
- Olanzapine (Zyprexa)
- Quetiapine (Seroquel)
- Risperidone (Risperdal)
- Valproic Acid (Depakene)
- Ziprasidone (Geodon)
Now, if you’re taking antipsychotics or antidepressants or in combination, other insurance companies may raise more questions about why you were prescribed to take these medications.
Other insurance companies will ask the following:
- Did you had or have any suicidal thoughts or attempts? If so, when?
- Have you ever harmed your self or attempted to? If so, when?
If you’re asked with these questions, then you might have applied to an insurance company that wouldn’t view your health condition the best.
Best Life Insurance For Bipolar Disorder
Types Of Bipolar Disorder
According to the Diagnostic and Statistical Manual of Mental Disorders, these are the types of bipolar disorder.
- Bipolar 1 Disorder: This involves one or more manic episodes of serious mood swings from mania to depression. This could trigger psychotic episodes that can lead to injuries and hospitalizations.
- Bipolar 2 Disorder: This is a milder form of mood swing episodes, where there are at least 1 depressive or hypomania that shifts in between severe depression episodes that lasted for 4 or more days.
- Cyclothymic disorder: This is where there are brief episodes of hypomania alternating with brief periods of depression symptoms that is not long-lasting as observed in full hypomanic episodes or episodes of full depression.
- “Mixed Features” This is where the occurrence of coinciding symptoms of opposite mood polarities during depressive, manic, or hypomanic episodes. Common symptoms are high energy, racing thoughts, sleeplessness and at the same time despair, irritability, hopelessness and suicidalness.
As shown above, our top-rated A+ insurance companies, it won’t matter which type of Bipolar disorder.
For instance, you will basically be offered Simplified issue life insurance for bipolar or the lowest rates with immediate insurance coverage if you don’t have any other serious illnesses.
Effects Of Hospitalizations In Bipolar Disorder
It’s important to realize, that any severe bipolar episode that led to hospitalization will have very little to no effect at all on your final expense insurance offers.
The only top-rated A+ insurance company will not even take into factor if a bipolar applicant was hospitalized.
For one thing, if you were asked if you were hospitalized because of a bipolar disorder episode it will not matter.
Therefore, with us, we will only get you offers from top-rated insurance companies.
How To Find The Best Burial Or Final Expense Insurance For Clients With Bipolar Disorder.
It’s essential to know that aside from any serious illnesses you might have, having bipolar disorder could present challenges when seeking a final expense insurance plan.
The primary concern you might encounter is being offered policies that are not only expensive but also come with waiting periods.
But wait, this problem is not a dead-end – it’s more a sign that you might be working with the wrong insurance agent.
At InsuranceForBurial.com, we’re committed to helping you find the most suitable final expense insurance for bipolar disorder. Let’s explore how we make this possible.
We pride ourselves on a team of highly skilled final expense insurance specialists, driven by a shared passion for securing the best possible burial insurance policies for individuals with bipolar disorder and other mental health conditions.
With a rich history spanning over 28 years and a comprehensive license to operate in all 50 states, our team at InsuranceForBurial.com is more than capable of offering the expert advice and guidance you’re looking for.
We’ve been in the business long enough to understand your unique needs, especially when it comes to securing burial insurance with bipolar disorder.
It’s crucial to keep in mind that having bipolar disorder isn’t a barrier to obtaining affordable and suitable burial insurance coverage.
On the contrary, we believe in creating opportunities where others see limitations. So, remember, you’re not alone in this. We’re here, ready and willing to help you find a policy that meets your specific needs.
With the right team on your side, securing a policy that meets your needs is within your reach. We’re here to make sure of that.
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Life Insurance Policies For People With Bipolar
We will only contact top-rated A+ insurance companies that have no problem with Bipolar disorder and will view your health the best.
What we only need from you is your trust and a little bit of your time on the phone to ask you important details about your health and your current situation with any mental illnesses.
Talk to us now! We promise you a simple no non-sense interview process with no pressure.
For more information on mental illness, CLICK HERE.
What exactly does burial insurance cover?
Typically, burial insurance shoulders the expenses tied to funerals and burials. But its coverage isn’t limited to these areas. It can also offset other final expenses, such as lingering debts, medical bills, and legal costs. Consider it as a financial safety net designed to alleviate the burden during challenging times.
I have bipolar disorder. Can I still get life insurance?
Definitely! While some insurance companies might label bipolar disorder as a high-risk condition, many providers, including our team at InsuranceForBurial.com, have tailored insurance options for individuals living with bipolar disorder. We’re strong believers in inclusivity, and that philosophy is reflected in our diverse insurance offerings.
How can I make my burial insurance more affordable?
There are various tactics you can adopt to make your burial insurance more affordable.
These include choosing a smaller coverage amount, living a healthier lifestyle, and collaborating with an insurer that specializes in high-risk conditions such as bipolar disorder.
The goal is to strike the right balance between affordability and adequate coverage.
Remember, this structure is just the beginning. With more research and a better understanding of our audience, we can augment the value of this content.
This might involve incorporating additional relevant keywords, addressing other probable questions, and offering comprehensive information to better educate and assist our readers.
Our primary aim is to serve as a trusted and beneficial resource for you.
Navigating life with bipolar disorder shouldn’t hinder seniors from securing financial protection for their loved ones.
Burial insurance for bipolar disorder presents an affordable solution that lightens the load of end-of-life expenses.
Remember, this isn’t just about covering costs. It’s about offering you peace of mind and ensuring your loved ones can focus on commemorating your life, rather than grappling with financial worries.
At InsuranceForBurial.com, we’re committed to helping you find a policy that suits your needs best.
While bipolar disorder might pose unique challenges in seeking insurance coverage, rest assured that affordable and comprehensive solutions are within your reach.
Today is the day to protect your family’s future with our specialized burial insurance plans for bipolar disorder. Together, we can make the journey a bit more comfortable.