Can I Get Life Insurance If I Am Bipolar? 
Yes , most people can get some sort of life insurance while having bipolar disorder , be it a fully medically underwritten policy that requires exam and medical records , or graded policy that does not require any exam or medical records , or something in between . The number one consideration as to whether you can get a medically underwritten policy will be if you are on Disability specifically for your bipolar disorder . If so , then the No Exam route is the way to go . If you are able to work full time and lead a stable life in spite of having bipolar disorder , and your treatment has been successful and consistent for over a year , you should be able to get a medically underwritten policy that pays 100 % of the death benefit from day one , and at fairly reasonable rates . 