ADHD (Attention Deficit Hyperactivity Disorder) is more commonly associated with children, and for good reason. Raising any child is a challenge. Even the best of them is a handful. Having raised a son with ADHD I can tell you that it’s kind of like fireworks, firecrackers in particular.
A normal child is like a normal firecracker. Occasionally the fuse burns all the way down and there is a pop. A child with ADHD is kind of like the way I used to light firecrackers, one bundle of 100 at a time. A little chaotic to say the least and just when you think it’s over, a pop here, a bang over there….
About 60% of children with ADHD carry some of the symptoms into adulthood. ADHD in adults is one of those things that is all over the life insurance underwriting map. Some companies will cut and run they way they do with bipolar disorder or chronic depression. Other companies shrug it off as the mortality non issue that it is.
Like other mood disorders, the companies that are going to give ADHD a fair hearing are really looking for how it impacts your day to day life. Do you have a stable family life? Do you have a stable work history? Are you compliant with your recommended treatment?
I’ve had several ADHD clients that are managers of businesses, owners and CEO’s of companies. One of the CEO’s I worked with contended that someone with ADHD that learns to channel that extra energy and spontaneity can use it to their business advantage. The insurance company we worked with on his coverage apparently agreed as they approved him at their best rate class.
Bottom line. No magic message in this post. Just one more chance to drive home the point that fair rates on life insurance are available through a good independent agent as long as whatever mood disorder you have is stable and controlled.