Does Bipolar Disorder Affect Life Insurance? 
Bipolar Disorder does affect Life Insurance rates and the type of policy the person with bipolar disorder can get . The most favorable scenario is for the applicant 's Bipolar Disorder to be stable for over a year , medications stable , and able to successfully hold down a job . In that case , rates can be Standard and the applicant can get any type of policy or face amount that they financially qualify for . If the Bipolar Disorder causes the person to be on Disability or it has been difficult to stabilize , then a simplified issue policy might be in order . This has some limits on face amount and might possibly be graded . However , there is usually a choice of policies for the person with Bipolar Disorder if you contact the right agency who understand and carries policies that cover it . 