Depression is defined as a mood disorder characterized by sadness, thoughts of despair and discouragement varying in degree from mild to severe. Specifically, there are levels of depression of this situation for serious cases, such as bipolar disorder.
Diagnosis Situation Depression: is usually a depression- situation experienced by many who may need soft drugs after a traumatic event, stress, high levels of anxiety, loss of a loved one, divorce, unemployment or other event.
Diagnosis Clinical Depression: This type of diagnosis may be more serious because it can significantly affect quality of life, causing 2 or more weeks of intense stress, sleep rhythm disorders, weight loss or significant gain, uncontrollable thoughts of suicide, inability to concentrate , loss of interest or enjoy things that were very nice.
Diagnosis Bipolar Disorder- This an high level mood swing with depression usually include include sadness, anxiety, irritability, fatigue, uncontrollable crying, change in appetite causing weight loss or gain, unusual sleep patterns, concentration problems, thoughts of death or suicide. There are several levels of the disease or disorder.
The specific factors that are used to determine insurability after a diagnosis of depression are as follows:
What type of depression were you diagnosed with?
When was your first episode of depression and when was your most recent?
Have you been treated by a specialist?
What if any medications are you prescribed? What is the duration and amount?
Have you any history of substance abuse? (Drugs, alcohol)
Have you ever been hospitalized for depression?
Have you attempted suicide? If so when?
Agent support life insurance for depression
Many Life insurance agents are specialists in researching what carrier’s concentrate on writing clients who have been diagnosed with depression and have a good understanding of what problems and support materials will be required before submitting the application. They can help you by directing you to those carriers and guidelines that will give careful consideration to your specific criterion and measure it against their current sub-standard table ratings in order to get you approved at a favorable rate. All carriers have their own table ratings for all impaired risk cases.