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Getting affordable burial insurance with Bipolar disorder isn’t going to be a challenge. In fact, you will soon find out that it will have almost no effect on your coverage whatsoever.
We have successfully helped many clients with this condition find the lowest cost final expense life insurance, and we can help you too.
Today, we will show you how burial insurance companies react to someone who is manic depressive, what expectations you should have, and how you can find the best plan.
The Raw Truth About Burial Insurance With Bipolar Disorder
As you may or may not know, the path to the lowest rates on funeral insurance is to qualify for a plan that has some form of underwriting. With that, you will find that being Bipolar is rarely ever a cause for concern for most funeral insurance companies.
Here is the bottom line.
If you are looking for burial insurance with Bipolar disorder, you will find that virtually no company will ever care about it. You will easily qualify for level rates with almost all companies. You will have no waiting period, and you will pay the least amount possible. Essentially, 99% of final expense companies simply do not care if someone has this condition.
Oh and it gets better
Did you know that burial insurance plans don’t require medical records or physicals? Yep it’s true. There are only health questions.
Being Bipolar can make life challenging in some ways. Fortunately, there are many effective treatment options available that will allow you to lead a happy controlled life. Fortunately, you will find that being Bipolar will not make your funeral insurance cost more, or require you to endure any sort of waiting period.
Underwriting Bipolar Applicants
Ultimately there are two things that come into play here. First, there are the health questions. Second, there is the prescription history check. Both of these will be used by the insurance carrier to determine if you are eligible for coverage.
The Health Questions
You will notice that almost no health questionnaire with any company will even mention the words “Bipolar”, “manic depression”, “mania”, or “hypomania”. Remember, an insurance company is perfectly fine with accepting any health condition they do not ask about.
Since most carriers just don’t ask about Bipolar disorder, it means they won’t count it against you. You could spend time looking for a burial insurance application that asks about Bipolar disorder, but you will probably never find it. That’s how rare it is.
Along with the health questions, the insurance companies will look at your prescription history. Basically, they do this to verify your health.
Most Bipolar patients are taking various medications to manage the condition. There are mood stabilizers, antipsychotics, antidepressants, antidepressant-antipsychotic, and anti-anxiety medications.
With that, below is a list of Bipolar prescriptions that burial insurance companies are completely fine with. If you take any of these medications (and there may be more) they will not be a problem at all.
The only way these prescriptions would be an issue would be if you were applying with a company that is not fond of Bipolar disorder. However, you should never do that since there are so many carriers that are very welcoming of this condition.
- 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)
Different types of Bipolar disorder
As you probably know, there are various types of bipolar disorder according to the Diagnostic and Statistical Manual of Mental Disorders. For the burial insurance companies that do not care about Bipolar disorder, ALL of these types are perfectly fine.
- Bipolar 1 Disorder: This is where you’ve had one or more manic episodes. This could cause significant harm in your life, and could result in hospitalization or trigger a psychosis like a break from reality.
- Bipolar 2 Disorder: This is where you’ve experienced at least 1 major depressive episode that lasted at least 2 weeks and at least 1 hippomanic episode that lasted 4 or more days, but you have never endured a manic episode.
- Cyclothymic Disorder: You’ve had at least 2 years (or 1 year in children and teenagers) of numerous periods of hypomania symptoms. During that time, the symptoms happen at least half the time, and fail to go away for more than 2 months.
- Other types: There are other medical conditions that could lead to Bipolar disorder. For example, Cushing’s disease, multiple sclerosis, or a stroke.
Again, whichever type you have, it will not matter! You will still easily qualify for level rates.
It’s entirely possible for a person with Bipolar disorder to experience an episode that leads to a temporary hospitalization. If you have been hospitalized because of an episode, it will have little to no effect on your eligibility for burial insurance.
The reality is, only select few carriers have a health question that asks if you have been hospitalized (for any reason) within the last 6 or 12 months. Since there are so many other carriers that do not have this sort of question, a hospitalization won’t matter.
How To Find The Best Burial Insurance With Bipolar Disorder
By now it’s probably clear that being Bipolar won’t be an issue. At the same time, the path to finding the best burial insurance is really the same regardless of your health.
To find the best burial insurance with Bipolar disorder you must work with an independent broker that has access to multiple insurance companies.
Want to know something really cool?
You don’t even need to go searching for a broker like that.
Choice Mutual is an independent agency and we do have access to multiple carriers. We will shop the market for you to see which final expense company offers you the best plan at the best price.
We have no special affiliation with any particular insurance company. Given this, we can and will impartially connect you will whichever carrier best meets your needs.
Please Remember This
Obviously this whole piece talks about how being Bipolar won’t have any effect on your funeral insurance. At the same time, it’s important to remember that your entire set of health conditions come into play when you go to apply for burial insurance.
So while being Bipolar won’t be a problem, you could have other health issues they may be.
It’s important to be super honest and thorough with your agent, so they can see the whole picture. Your choice mutual agent will assess all your health conditions and let you know which companies would suit you best.
Oh and check this out.
Over 90% of our clients are approved with a company that accepts all their health issues. This means they secured rock bottom rates and instant protection.
If you have Bipolar disorder and want expert help finding the most affordable burial plan possible, give us a call at 1-800-644-2926. We have helped many others, and we can surely help you too.