Oh, if it was just that easy! Bipolar can be one of the toughest of mood disorders to get a handle on. Some are lucky enough to find the break in one medication. For some it can take several medications.
One of the biggest challenges with bipolar disorder is finding the right combination of medication and lifestyle that will bring stability to life. Now there seems to be evidence that an attainable stability in sleep patterns can actually bring about positive changes in the disorder.
Nighttime sleeplessness and daytime exhaustion can cause more frequent and severe mood swings. Bipolar disorder is highly sensitive to the human circadian system (our internal clock) and if a person can create consistency in sleep and exercise patterns, it can protect against the extremes of mania and depression.
Life insurance companies vary widely on their opinion as to how bipolar should be viewed. There is especially a wide variance between bipolar 1 and 2. The good news is that there are several companies that, if the disorder is well controlled and life is stable (work, family, etc), will offer standard and even as good as preferred plus rates.
Bottom line. The key from a life insurance standpoint is compliance and stability. To get the best possible rates a person needs to show that they are compliant with their treatment and they have a track record of stability.
My 20 years of experience give me the knowledge and leverage to find reasonably-priced life insurance for people who have been declined or are paying more than they need to.
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