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Dr. Bob is Robert Hsiung, MD,
bob@dr-bob.orgShown: posts 1 to 4 of 4. This is the beginning of the thread.
Posted by DavidLA on September 4, 2006, at 21:37:54
I've been looking for term life insurance and I've been surprised to find that having Depression puts me 2 ratings classes below where I would have been otherwise. This makes it more than I can afford. I'm very healthly and cannot believe the cost I'm being quoted - all just because of Depression.
Does anyone have have any personal experiences getting life insurance with a mental illness?
Any suggestions on how to get a good rate?
Many Thanks,
DLA
Posted by notfred on September 5, 2006, at 1:55:52
In reply to Life Insurance with a mental illness - help, posted by DavidLA on September 4, 2006, at 21:37:54
>
> Does anyone have have any personal experiences getting life insurance with a mental illness?
>Forget it. Only very health people that never see a doc can get life insurance, unless:
> Any suggestions on how to get a good rate?
You get life insurance during the enrolment period on taking a new job. At least here in the states if you take benifits up front when you get hired, pre-existing conditions do not count. Wait till later and pre-existing conditions do count.
Posted by bassman on September 6, 2006, at 19:15:51
In reply to Life Insurance with a mental illness - help, posted by DavidLA on September 4, 2006, at 21:37:54
Yes. I have panic disorder and no insurance company want to insure me.
Posted by Kathii on September 14, 2006, at 19:17:23
In reply to Re: Life Insurance with a mental illness - help, posted by bassman on September 6, 2006, at 19:15:51
If you have a credit card with a major bank, you might get an offer for life insurance from them. They actually give you $1,000 in coverage just for having the card, then you can buy more - and there were no questions! There were the standard exclusions, mostly based on whether you flew a plane, plus the 2 year exemption clause for suicide (this can vary by state).
I know this doesn't help in the near-future, you'd have to wait, but it was a good option for us.
This is the end of the thread.
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