camping

Relieve that stress and get away from it all for a little camping. Pictured above is what a few thousand people call getting away from it all every year during the Ride the Rockies bicycle tour. A little bike ride through the mountains with 2000 people. What, are they nuts?

I have long contested that anxiety disorder is an affliction primarily contained to big cities which by my definition is any city that you can’t be out of by car in five minutes or less, preferably less. Between narrow, winding mountain roads, people on vacation in rented motor homes (they’ve never driven one before), 2000 bicycles and sleeping in tents just inches from each other, I can see how anxiety disorder, at least for me, could be cleverly cloaked as an “enjoyable getaway”.

I suppose if stress relief comes in the form of getting away from work and your normal routine, even something as crazy as Ride the Rockies might be just the right medicine.

Now, of course, to why I write this blog. How do life insurance underwriters look at anxiety disorders and what makes them comfortable about approving policies that really don’t penalize the poor people who live in, for instance, Denver?

I have often thrown out a list of underwriting thresholds that are used to evaluate bipolar disorder and make the comment that the list is also pertinent to anxiety disorder and depression. For the sake of this post I’ll tweek that list to specifically address anxiety.

1. Someone who has not been hospitalized for anxiety related issues other than for diagnosis?
2. Someone who is compliant with their treatment, both medications and regular followups?
3. Someone who, in spite of anxiety is leading a stable family life or social life?
4. Someone whose anxiety doesn’t impact a stable work life?
5. Someone who is not on disability for anxiety disorder.
6. Doesn’t need multiple medications to control the anxiety.

From an underwriting standpoint anxiety is much less complicated than bipolar disorder or depression and given the list above, which probably would include the majority of those with anxiety issues, good rates are certainly within reach.

Bottom line. I live in a small town called Salida, Colorado and without literally going hours out of my way, if I go to visit family in Wyoming I have to go through Denver. I have determined that I have transient anxiety disorder. It disrupts my mood to drive through Denver. But that’s all personal and not relevant to the poor, medicated people that live there.

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