Most Forgiving for Mental Issues?

Jun 29, 2016

  1. Justin Bilyj
    Offline

    Justin Bilyj Guru

    Posts:
    4,990
    Likes Received:
    131
    State:
    Ohio
    The condition is Schizotypal Personality Disorder, is this gonna be an FE plan? Meds are various, young guy. I know this isnt the whole picture but was wondering if anyone had any experience with this type of disorder.
     
  2. pfg1
    Offline

    pfg1 Guru

    Posts:
    1,547
    Likes Received:
    330
    State:
    Virginia
    I haven't had that particular, but a few years back I had a couple carriers tell me 2yrs off meds for consideration on a bi-polar prospect. I think that was it, could have been 1 yr. Prospect said, you don't want me to go off my meds... LOL
     
    pfg1, Jun 30, 2016
    #2
  3. GingerNinja
    Offline

    GingerNinja Super Genius

    Posts:
    229
    Likes Received:
    0
    Is the prospect younger than 50?
     
  4. UW Guy
    Offline

    UW Guy Super Genius

    Posts:
    208
    Likes Received:
    0
    Schizophrenia is even harder to work with than bipolar for a lot of carriers. They need to walk a VERY straight line to even get to anyvsort of offer
     
    UW Guy, Jun 30, 2016
    #4
  5. NewbieNewbie
    Offline

    NewbieNewbie Super Genius

    Posts:
    179
    Likes Received:
    55
    State:
    Alabama
    I do not know what carrier told you that. I would presume bipolar with two years off meds would be a real quick decline with most for noncompliance. You do not undo bipolar.
     
  6. inreverse
    Offline

    inreverse Guru

    Posts:
    820
    Likes Received:
    53
    State:
    Minnesota
    This is a personality disorder with some schizo behaviors, personality disorders are different from major mental illness
     
  7. pfg1
    Offline

    pfg1 Guru

    Posts:
    1,547
    Likes Received:
    330
    State:
    Virginia
    A couple of well known carriers. Note I said *to be considered, not that it would be approved.
    And it wasnt that the client took himself off the meds for 2yrs, it was doctor took him off and he was still off two yrs later doing ok.
     
    pfg1, Jun 30, 2016
    #7
  8. ccbaxter
    Offline

    ccbaxter Expert

    Posts:
    21
    Likes Received:
    1
    I saw the thread title and assumed it was someone looking for a new IMO. Oh, well.
     
    ccbaxter, Jun 30, 2016
    #8
  9. walthamny
    Offline

    walthamny Guru

    Posts:
    476
    Likes Received:
    79
    State:
    Massachusetts
    I would call and ask. It is not like Schizophrenia, it should be easier to get approval on this. It all depends on the APS, underwriters mood and so on. MS and HIV positive are much more severe than this disease and they can now get underwritten by some carriers.
     
  10. NewbieNewbie
    Offline

    NewbieNewbie Super Genius

    Posts:
    179
    Likes Received:
    55
    State:
    Alabama
    Gotcha missed that. It still seems odd unles a misdiagnosis which are a !itch.
     
Loading...