Mental Disorder Coverage

[PittAgent]

I have a family member in Arizona who has been denied life insurance coverage by 15 companies (don't know which 15 yet) because of the following:

He has bi polar and borderline personality disorder and explosive disorder. He is also classified SMI seriously mentally ill.

He is 23 years old and a non smoker.

I looked at the Transamerica final expense application for 0-44 but it does ask if you have had a mental disorder in the last 10 years. It doesn't say what happens if you answer yes. It just asks for an explanation.

Has anyone had success getting coverage for a young person with these conditions? Also, if anyone is in Arizona near Gilbert could you personally work with him?

 

[goillini52]

I have a family member in Arizona who has been denied life insurance coverage by 15 companies (don't know which 15 yet) because of the following:

He has bi polar and borderline personality disorder and explosive disorder. He is also classified SMI seriously mentally ill.

He is 23 years old and a non smoker.

I looked at the Transamerica final expense application for 0-44 but it does ask if you have had a mental disorder in the last 10 years. It doesn't say what happens if you answer yes. It just asks for an explanation.

Has anyone had success getting coverage for a young person with these conditions? Also, if anyone is in Arizona near Gilbert could you personally work with him?

As long as he's not mentally retarded and can do a PHI, I'd look at Settlers.

 

[Baseball7]

I don't use them but Columbian has a younger GI option, and LBL will at least give you a yes/no in 20min.

 

[ExProgrammer]

I don't use them but Columbian has a younger GI option, and LBL will at least give you a yes/no in 20min.

Columbian's GI only goes down to age 25.

 

[mudhound]

Settlers Silver plan would work.