I have been told more and more people are identified correctly today than when i was younger but there are a few reasons that we see younger people seeking for our help.

1. Bipolar disorder, panic attacks and major depression these days are better comprehended and less feared by underwriters than when I was younger. If, for example, I was identified as having bipolar disorder 20 years ago my probability of obtaining any insurance company at all to think about taking my mortality risk might have been somewhere not far from. I’d personally have tried many times to obtain life insurance plan for my young family however with the probabilities at or near of approval, I’d likely have just created a string of declines.

2. Right now, in my post mid 50′s, I’d have done the very best I possibly could to put another plan constantly in place realizing that life insurance companies did not want anything related to me. Why, at this point, would I wish to back track and put myself over the humiliation again?

From the view of a life insurance plan underwriter, whether you’re a 32 years old software engineer or at 56 years old actor or CEO, the same requirements result in the best premiums.

1. Anyone who has not been put in the hospital for bipolar disorder other than for identification?

2. Anyone who has not tried suicide or had times with suicidal ideations?

3. Someone who’s compliant using treatment, both medicines and regular follow-ups?

4. Someone who’s leading a well balanced family life or social interaction?

5. Someone who’s exhibiting a well balanced work life?

6. Someone who isn’t on incapacity for bipolar and doesn’t have problems with drinking or drugs? If there is a problem here, then the solutions to 3, 4 and 5 are no.

7. Better rates come with fewer drugs and without the need for anti-psychotic drugs.

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