Does Bipolar Disorder Affect Life Insurance? 
When someone has Bipolar Disorder , life insurance underwriters will want to see that the applicant 's disorder is controlled and does not significantly interfere with the applicant leading a normal life . Compliance with one 's medication and treatment plan is crucial . The underwriter will want to see stability for at least a year . For a medically underwritten policy it is also important that the applicant is not on disability specifically for the Bipolar Disorder . If the applicant does not meet all of the above criteria , there are simplified , no exam policies available for most persons with Bipolar Disorder . 