Does Bipolar Disorder Affect Life Insurance? 
In short , yes . A person with bipolar disorder or manic depression has a type of mood disorder with wide swings between extreme elation and severe depression . Before engaging in the formal underwriting process , a life insurance professional would need to collect some information up front : Was this a single episode ? Was the episode brief in nature or did it continue for some time ? What triggered the episode ? Is it still ongoing ? Is it likely to recur ? When did treatment end ? Is medication still required ? The answers to these questions will help the life insurance professional determine the best way to shop the case for the best possible outcome since insurable cases may result in different offers from different insurers . Be sure to deal with a life insurance professional with access to many insurers and with experience in handling complex underwriting matters . 