What do the people in the following list have in common?
Ernest Hemingway, Mark Twain, Herman Melville, Hans Christian Anderson, Dick Cavett, Kitty Dukakis, Ted Turner, Jonathan Winters, Emily Dickinson, T.S. Eliot, Walt Whitman, Edgar Allan Poe, Connie Francis and Charlie Pride.
The most obvious thing is that they are all famous and extremely accomplished in their chosen fields. Writers, Actors, Singer/Song writers, Poets and Businessmen. They are all also bipolar (or were when they were alive).
If, as so many life insurance agents and companies claim, people with bipolar who uninsurable and bad risks, who underwrote the life insurance on Ted Turner. Obviously all insurance companies don’t view this the same way.
Let me tell you what Ted Turner has going for him that is no different from a huge number of people with bipolar. He’s filthy rich. Just kidding, although I suspect there are a large number of very successful bipolar businesspeople. What they all have in common is that they have embraced the fact that they have a disorder that needs to be managed. They follow the doctors orders. They are compliant with their treatment. Because of this their bipolar is controlled and their lives are stable.
Bottom line. Whether you are filthy rich or not, adequate life insurance is affordable for those that fall into the compliant and stable category.