Mental Health

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Risk Issue:
Insurance companies consider a variety of conditions under this broad heading including Anorexia Nervosa, the loss of appetite due to emotional causes that leads to a wasting condition of the body, Bulimia Nervosa, an abnormal increase is the sensation of hunger, Alzheimer's Disease, a pre-senile dementia of unknown cause, Schizophrenia/Paranoia, Manic Depressive, Reactive Depression, Anxiety Disorders and Suicide Attempts. Availability life insurance will depend on the history, current condition, medication and other health factors.

Best Class:
It is not possible to accurately predict the classification without review of medical records. However, there is a range of premium guidelines for most histories from rejection to surcharges.

Solutions:
Shop around. Companies respond differently based on their underwriting standards for acceptability which may range from a surcharge to rejection.

Note:
Term life insurance policies may not be available as companies may believe that only cash value plan will generate adequate premium for the contemplated risk.

Action:
Complete the Personalized Quote to begin the process to find the companies with the most liberal acceptance guidelines and lowest premiums for your status. If we cannot quote online, we will respond by email with the probable underwriting action and premium range within two business days.

Need Help?:
Make a no-obligation call to our quote desk to clarify you status before proceeding with the Personalized Quote or e-mail your question to us at info@choicequote.com

To speak with a licensed professional,

1-888-SEE-TERM

1-888.733.8376
(Toll Free) 8 a.m. to 6 p.m.
Eastern time, Monday through Friday

To speak with a licensed professional,
1-888-SEE-TERM
1-888.733.8376
(Toll Free) 8 a.m. to 6 p.m.
Eastern time, Monday through Friday

ChoiceQuote^SM Insurance Services, Inc. CA License #711831
900 Veterans Blvd., Suite 340, Redwood City, CA 94063
Fax 1-888-777.2004

Robert P. O'Leary, CLU is licensed agent in all states except AK and WY:
CA #526854; LA #295731; MA #1762084; MN # IN-20571538 & UT # 198305.
MI dba ChoiceQuote Insurance Agency of Michigan

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