Brutally Honest Guide to Burial Insurance with Bipolar Disorder

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As you might have probably known, the way to reduce funeral insurance rates is qualifying for a policy with some underwriting. With that, you’ll find that most funeral insurers rarely worry about being bipolar.

The Conclusion of Everything is That

If you are searching for funeral insurance with bipolar disorder, you find that hardly any company will be concerned about it. You will effortlessly qualify for the simplified or Level rates with almost all insurers.

There won’t be a waiting period, and the minimum payment is required. Basically, 99% of end-of-life expense companies do not care that you have this condition.

What is Bipolar Disorder and Why It Impacts Life Insurance?

According to definitions, bipolar disorder is known as a mental illness and a brain disorder that changes the mood, activity levels of the patient, and the ability to perform daily activities.

It is a well-known disease, and according to the National Institute of Mental Health, this condition affects about 5.7 million adult Americans. According to the World Health Organization, it affects approximately 45 million around the world.

Until recently, initially, bipolar disorder was seen as a much severe medical problem than previously thought. It is now possible for someone who is bipolar to get full or temporary coverage at a very low price.

Even though there is also a risk for insurers, nowadays, they have more understanding of what that risk really is, compared to what they thought it would be a long time ago.

In fact, while working with clients that have bipolar disorders, we can be sure that they will receive a favorable offer as long as they do not have other serious medical problems.

However, this is good news

Did you know that funeral insurance plans do not require you to undergo any physical examination or checking through medical records?

Regardless of how this might sound, it is the truth. You only get to answer health questions.

Life can be challenging in many ways if you are bipolar. Luckily, there is a lot of effective treatment option that will enable you to live happily.

Fortunately, you will find that your funeral insurance will no longer be expensive because it is bipolar, nor will it require you to go through a waiting period of any kind.

Underwriting Process for Bipolar Disorder

In short, the lowest rates are called simplified, Best, or level and they come with instant insurance coverage starting from day one depending on the insurer.

With this in mind, to become eligible for a simplified or level insurance plan, you must apply for funeral insurance or end-of-life expenses with simplified underwriting.

Also, for other health conditions for underwriting, there will be two aspects that insurers will consider for evaluation.

Underwriting Health Questions

For more emphasis, insurers pay little attention to mental health problems like bipolar disorder. The questions asked by insurance companies do not mention words such as bipolar, mania, depression and mania, etc.

That is, when an insurer does not particularly ask about a health illness, it means they are not really concerned about it and that it will have no issue with giving out final cost insurance with instant insurance coverage.

So, if your insurance agent says you may have a hard time finding a good insurer for bipolar disorder, it’s time to move forward and change the agent.

At the same time, an insurer that will directly question you regarding bipolar disorder is scarce or does not even exist. Health problems may raise questions about other health conditions you may have.

Prescription History Evaluation

In addition, your health and prescription history will be checked if you have other health issues, the date, whether you undergo treatment, or for how long.

Another important thing to note is that being bipolar can result in having mental disorders like schizophrenia, depression/anxiety, and PTSD.

Bipolar Medications

Together with health questions, insurers will analyze your prescription history. Basically, this is to ensure your health is as you claimed it to be.

Many of the bipolar patients take many medications to control the condition. They are mood stabilizers, antipsychotics, antidepressants, anti-anxiety, and antidepressants-antipsychotics drugs.

Below is a list of bipolar prescription that funeral insurers will not have issues with. If you are taking any of these medications, you will not have any problem with the funeral insurers.

The only way to have problems with these prescriptions is if you apply to a company that is not fine with bipolar disorder.

However, ensure you avoid this because there are many operators that accept this condition well.

  • Aripiprazole
  • Carbamazepine
  • Effexor
  • Lithium
  • Asenapine
  • Emasam
  • Divalproex Sodium
  • Lexapro
  • Marplan
  • Lamotrigine
  • Nardil
  • Olanzapine
  • Lurasidone
  • Paxil
  • Parnate
  • Quetiapine
  • Prozac
  • Remeron
  • Valproic Acid
  • Ziprasidone
  • Risperidone
  • Zoloft
  • Wellbutrin

Types of Bipolar Disorder

According to the Manual on Diagnostic and Statistical Mental Disorders, below are the types of bipolar disorder.

Bipolar disorder 1: It involves one or more manic episodes of heavy mood swings from mania to depression. This can trigger psychotic episodes that can result in injuries and hospitalizations.

Bipolar Disorder 2: This is a softer type of mood swings, in which there is at least one depression or hypomania that alternates between episodes of severe depression that will last four days or more.

Cyclothymic disorder: Short episodes of hypomania alternate with short periods of short-term depressive symptoms, as seen in complete hypomanic episodes or episodes of total depression.

Mixed characteristics – At this stage, there is an occurrence of concurring symptoms of mood-altering polarities during manic, depressive, or hypomanic episodes.

Commonly, the symptoms are high energy, insomnia, racing thoughts, and, at the same time, irritability, despair, hope, and suicide.

As stated earlier, it does not matter the type of bipolar you have; we have top-rated companies that can get you covered. For example, basically, you will be offered a Simplified or Level rates with instant insurance, hoping you do not have any serious health issues that can disqualify you.


It is completely possible for someone with bipolar disorder to experience an episode that can cause temporary hospitalization. If you were hospitalized as a result of an episode, it would have little effect on your eligibility for funeral insurance.

The fact is that only a few selected insurers give you a health question asking if you have been in the hospital (for whatever reason) in the past 6 or 12 months.

Because there are so many other insurers that are not concerned with this question, then hospitalization would not be an issue.

It is now clear that being bipolar is not a problem. At the same time, the way to get the best funeral insurance is really the same, irrespective of your health.

To get the best funeral insurance for bipolar disorder, you need to work with an independent broker who has access to several insurers.

Want to Find Out Something Really Interesting?

You don’t even have to look for a broker like that.

As an independent agency, we have access to a number of insurers. We will check through the market and get you a final expense company that will offer you the best plan at an affordable price.

We do not have a special affiliation with any insurance company. Therefore, we can and will connect impartially with any carrier that best suits your needs.

How to Get the Best Burial Insurance Company with Bipolar Disorder

In addition to the serious illnesses you may have, the only problem you may encounter if you have bipolar disorder when you apply for your final expense plan is that you are offered expensive policies with waiting periods.

Furthermore, it means that you have hired the wrong insurance broker.

We can assist you in getting the best funeral insurance plan possible for bipolar disorder. Our team of specialists consists of experienced and accomplished insurance professionals who are passionate about finding the best funeral policy for applicants who have Bipolar disorder or other mental issues.

About Al Kushner
Al Kushner
He is a recognized financial educator, best-selling author, speaker, underwriting specialist and the founder & CEO of Superior Mutual, an independent insurance agency. He has helped families and individuals preserve, protect, and pass on a legacy since 1986. His mission is helping hard working seniors keep more of what they have worked a lifetime to save.

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