Does Bipolar Disorder Affect Life Insurance? 
Yes , Bipolar Disorder effects the purchase of a new policy , but does not effect an established policy . In other words , being treated for Bipolar Disorder after the policy has been issued , does n't effect the policy . Unfortunately , when applying for a policy , Bipolar Disorder will effect the classification given a person for pricing purposes . Depending on the condition , it could also mean a decline . It is best to work with an agent who can access several companies and pre-underwrite the applicant to find the best possible situation for the applicant . 