I remember a few months ago back I tried to get on life insurance from Globe life...turns out I was turned down because of my bipolar. ( Nice people :rolleyes: ). Well, now I found out... through one of those online insurance quote companies, if you are Bipolar it cost more $$$ per month than the average person even if you get insurance.

I took online survey for a life insurance quote and naturally they asked about mental issues.. it would be over 60 a month for insurance...ands for someone on fixed income with expences it might as well be 6 million.

Well, just today I got a call from that online company, I told him I was bipolar and asked if that had anything to do with why it was so high he said yes based of medical history.

Heh he had no idea what he just did, I shown him true meaning of bipolar when I got so angry I burst into tears and also....well..lemme give you the Rated PG version


I said wait I am supposed to pay more than average person just cause I have a condition that I WAS BORN WITH and medications alone too expensive for med to help me live with it but now too expensive to die!!!!


I cant even get decent job unless I hide it...it feels like I have no rights and now they are trying to say I don't have the right to be buried like everyone else....do I need to pick out my plot @ a pet cemetary?

I am not immortal, but Just because I am bipolar does not mean I am going to die soon.....I am not suicidal!



I did though appologize for gettin emotional and my many slips of the words I can't repeat here, thank goodness he was nice and understanding....what ever he was on.....I WANT IT!!!!!!! Actually the dude agreed with me that it wasn't fair.well he says he is going to check with insurance agencies to find me reasonable company but that is still no promise they accept me because i am bipolar. But searching online I did find a website that I hope can help me and maybe others who may be having same problem....

http://www.lifeinsurance.net/LifeInsurance/Bipolar_disorder__whole_life_insurance.htm

Which brought me too:

http://www.lifeinsurance.net/life-insurance-quote.htm?howfound=Bipolar%20disorder%20%20life%20 insurance%20agent

Does anyone heard of this place? I wonder how legit or full o **** they are.

As far as life insurance goes, my husband got it through work, but otherwise he was turned down for it privately. I got it before I was diagnosed...just under the wire, phew.

My mother is on disability. They don't live paycheck to paycheck (she and my aunt) it's less than that. However, they did find a somewhat affordable way to handle the remains. Cremation is much cheaper and if she opts for no viewings, no service and provides her own "urn" (she's set aside a nice clean mayonnaise jar) it's only a few hundred dollars. It's not disrespectful for her, she wants her ashes scattered on the mountain where she lives, this is her idea of a dignified funeral. Don't think me a cruel daughter for carrying my mother around in a mayo jar. I do truly love her.

Life insurance??? Why bother? IMO, it's better to take your money and invest it. Assuming that you're healthy and have many years of life ahead of you, you will make more money in the long run from investments than from a life insurance policy.

cool If I can invest the money I have left after paying bilds with my 600 a month....If I die @ 79....I'll have 77 cents....I'm always a few cents short :p

Think about whether you really need life insurance right now. If you were to get run over by a bus tomorrow, who, besides your creditors, would be put in a financial bind? For example, with me, I don't have any kids, not married & supporting anyone, etc, so the answer is really "nobody." So, basically, I don't need life insurance except for a small policy for burial expenses. Since I'm young (30) and healthy (but craaaaaaaaaaaaazy, I tell you, craaazzy!!! hehe), I'm gambling on my genes getting me to at least 70, and hopefully longer.

It's good that you're looking into these things, but unless there's something else going on, I'm not really sure you need it, either.

My mother who is in a bind herself right now..,losing a child will be hard enough...I had a few LUCKY I AM STILL ALIVE brushes with death....never know when that luck can runout.

Mel, sorry you had such a lousey exp w/the ins. agent...
i havent thought about this one b/4. i got insurance thru work while i was undiagnosed (& used the medical ins. to get the diagnoses).
recently i was offered (again thru work) the oppertunity to ADD to my life ins. i filled in the very brief form & now im curious what the response will be.

Life insurfance.net says theyve been around since '96, sis they say?
if theyve survived this long iwould hazard a chance on them if theyre not TOO expensive. good luck hun. :)

I'm gonna need it :eek: thanks Kev

Well find out that link is ****!!!!!!!!!!!!!!!

They called back alright.....and because I am Social Security Disabilty and Bipolar Insurance companies would not go near my case :mad:

Ya know it not the point that I wont need this for a long time...IF I AM LUCKY....it's the total unfairness and discrimination of the whole ****ing thing!!!!!!!!!!! I NEVER ASKED FOR THIS SO WHY AM I BEING PUNISHED FOR SOMETHING PASSED ON TO MY FROM BIRTH......THIS HAS ME IN TEARS RIGHT NOW.

Ugh. More bad news, huh? :( I definitely understand where you're coming from with this. Even with "just" ADD, I'm going to have to be on a group insurance plan until I turn 65 or whatever the age for Medicare is by the time I get there. Otherwise, they're either going to charge me a lot more than someone in my exact medical condition without ADD, or they're going to stick me with a 6 month waiting period before I can get any ADD-related stuff covered, and both of those things suck.

Pretty much anybody can get life or health insurance, if they have enough money. Of course, that is the problem... even paying supposedly inexpensive group rates for my insurance, it costs me almost as much per month for insurance + copays as it would be just to pay completely out of pocket... AND I'M A HEALTHY GUY. I have ADD, asthma, and some allergies, and I need to be seen at least every couple years by a cardiologist to make sure the valve I had repaired when I was little doesn't go bad on me.

I hope this doesn't sound patronizing or anything, but, given your struggles to get life insurance, it sounds like the best way for you to go about it is to get a job that has life insurance. I know that's not an option right now, but I just want you to know that you can get life insurance that way, that it is a possibility. Even if you left that job, you might be able to continue the policy as an invididual rather than a group policy after you left the job. (I know I got offered that when I left my last job. I turned it down. I don't know if it's the same in LA as in VA, either, or if that's just something that our particular insurance company offered.)

With the jobs I could get around here...i am lucky IF I can get health insurance. :( I am starting to find I do a hell of a lot better job on my own with my own webpage...but im just learning and can take this further...maybe make enough that life insurance companies will begging ME for my $$$

Of course will tell em all K.M.A :p

oh, Melly--im so sorry to read that. that su*ks out loud both lips real hard (what a coworker spouted when i found out i was declined for the ADDitonal ins.)
seems that now the companys are only in it for themselves.
my dad sold ins for a well-known co for 30 yrs & i remember him working hard to get his prospects covered. seems he was almost always on his customers side--a lot of "kitchen table time" with them.
he retired in like '82 or thereabouts & the industrie has gone downhill (from my viewpoint) were reduced to zipcodes med recoreds & statitistics dealing over the phone or e-mail--yeah, im pi$$ed..for you, for me for the whole stinkin mess.
KMA--love it--thats the spirit Mel!!!

:D U know that the beauty of bipolar you can be totally in a rage about something one minute and the next you're like *bleep* em :p