We know it can be frustrating searching for a life insurance policy with a history of Attention Deficit Hyperactive Disorder/Attention Deficit Disorder (ADHD/ADD).
Don’t fret. We can help! In fact, tough life insurance cases are our specialty at HighRiskLifeInsuranceAgency.com.
Your Answers in 2 Minutes
Stick with us for two minutes, and you’ll have two important questions answered:
1. Can you qualify for life insurance with Attention Deficit Hyperactive Disorder/Attention Deficit Disorder? And if so…
2. How much will it cost?
Yes, most individuals with ADHD/ADD will be able to qualify for traditional life insurance, the type of insurance which requires a medical exam.
But you will need to speak with a knowledgeable, independent agent, who is licensed with several life insurance companies for your best chance at approval.
Best Case Scenario – If ADHD/ADD is detected early, physiologic and behavioral symptoms are controlled, most cases have a “Standard” rating. Click here for quote at “Standard”.
Mild Case – Those with unmanaged ADHD/ADD condition and present complications as a result of the symptoms like aggression and anxiety due to sleep pattern dysfunction, may get a “Mild Substandard” health class. Click here for a quote at “Mild Substandard”.
Common Questions to Assess Rating Class
If you’re unsure which of the above health classes to quote yourself at (Standard or Mild Substandard), please see the questions below:
1. When was the diagnosis of ADHD/ADD made?
ADHD/ADD that is detected early would result to early management, which may mean a controlled behavior pattern. This also means that the likelihood of having serious behavior complications is very slim.
2. Did you undergo any treatment/therapy in the past? And what were the outcomes?
Symptoms of ADHD/ADD are markedly reduced if an individual regularly attends behavior therapy and takes stimulant medications to control the symptoms. Compliance to therapy and medication may give a good outcome of a “Standard” rating.
3. What medications are you taking and for how long?
Although ADHD/ADD medications have remarkable positive effects on the behavior, long term use can cause organ function complications such as in the liver and kidneys. Drugs used for ADHD/ADD can also cause insomnia and significant loss of appetite, which over time can cause physical ailments.
4. Have you been involved in a serious crime in the past or have had a major anxiety or depression episode?
These are temperate behavior patterns that need to be evaluated closely because an unstable conduct may pose risks to the insurance company and may result to a “Mild Substandard” rating.
5. Do you have regular visits to your therapist?
Regular visits to your therapist may prove that your behavior is controlled and life insurance companies see this as a good sign. The therapist can also be a good resource person to validate the actual state of your condition.
6. Have you had any relevant diagnostic tests in the past 12 months?
Recent laboratory and diagnostic tests like brain CT-Scan or MRI may best show the state of cognitive activity an individual has, which can confirm whether a “Standard” or “Mild Substandard” rating is appropriate.
If you don’t seem to fit into one of the ratings above, I recommend requesting life insurance quotes from “Standard” to “Mild Substandard” so you understand the range of possibilities.
Using the Instant Life Insurance Quote form on the right, select the rating class that best suits you based on your answers to the questions above, as well as complete the amount and type of coverage needed.
An estimate will appear on the next page.
If we can help you with a quote or to apply for coverage, call us at 877-443-9467.
Overview of Attention Deficit Hyperactive Disorder/Attention Deficit Disorder
ADHD/ADD is a psychiatric developmental disorder that begins from infancy and can persist until adulthood. It also has the possibility to develop into a disruptive behavior or conduct disorder.
Symptoms of these two conditions include a persistent pattern of inattention and inability to focus. With ADHD, however, there is an accompanying impulsivity, hyperactivity and in some cases violence.
In adults who carry over the symptoms to maturity, it is commonly associated with more serious impulsive behaviors such as addiction, alcoholism, substance abuse, sexual promiscuity and violence. These symptoms can later be translated into severe behavior patterns of uncontrolled anger, depression, suicidal tendencies and anxiety attacks.
Related Keywords: behavior disorders, mental disorders, ADD, ADHD, impulsive disorder, conduct disorder, oppositional defiant disorder