Hi,

I met with the people visiting my workplace to buy whole life insurance and got turned down because I am bipolar. After an hour of bs crap, the sales dude very politely said that I was uninsurable.

Then he sent me to a different table to buy term life through the group plan at work. This plan is good as long as I work at the same place. I was able to buy some there because they asked minimal medical questions being a work group plan and all.

-->>I acted like a nut for the whole hour I was with the first guy. I was having to run around all day and was hyper-ish and agitated because I had no sleep and the day was crazy busy.
Also my watch stopped working and I was very confused about the time. Then I kept yanking my glasses off and on because I couldn't see (they are new-ish glasses) . . . I was even getting the glasses caught in my hair and just pulling my hair out. . . . It could have been an I Love Lucy skit with the darned classes and watch not working for me.

And you can imagine that most of the time I had no idea what he was talking about. He had to fill out a form for me. I could barely remember my own address.

It was awful. I wonder if I am the first bipolar person he knows that he met and I wonder if he thinks that is how we act.

Never mind that I am bummed about not being able to get insurance in case I pass and hubby needs to pay bills. I sort of knew this about bipolar, but I sort of forgot and was hoping for some dumb reason.

M.

Oh darn. Now I realize that I should not have told anybody that I have bipolar. What if that salesman tells the people I work for?

My workplace is not friendly to people with bipolar.

M.

I am sorry you had to go through with all this. I am sure ethically the insurance guy can't say anything to anybody. I think it is all private information. I wouldn't worry about that.
Bobby

Thank you, Bobby.
That is reassuring.
M.

this really ticks me off Mari... The stigma of mental illness and the ignorance of the public in general. Suicide has this same stigma associated with it....when are we going to get smarter!!! Grrrrrrrrrrrrrr.

*whisper...not mad at you..just mad at the world!

I think term life insurance is better...will have to read more about that.
It sucks that we have to deal with these issues...it really does and I agree he ethically/morally/can't say anything....
It sounds like you had a verys tressful day...for this I am sorry.
bizi

I am really sure the insurance guy can't breathe a word of your diagnosis to anyone. HIPPA regulations.

Mari,

I got life insurance about 10 years ago and didn't hold anything back. Technically if you do hold back something and you do get the insurance they can use that against having to pay it out. I would keep trying for life insurance.

befuddled2

Mari,

I forgot, I was not working and on disability when I got my life insurance.


befuddled2

Mari

I have a situation a lot like you with life insurance. Mine is term too I think.

But it goes like this.

I worked for a company that was switching all its insurance to another company. The company paid for all its workers a flat plan for as long as
you worked there.

I wasn't insurable because of my heart murmur, and my having had epilepsy.

So the girl I worked with was the big cheese to the boss. So she asked him, to find out if the company that they got the insurance from had another
company that could insure me.

So he did, it turned out they did. So I got the insurance, but supposedly
it wasn't as good. But for someone that wasn't ever insurable it was a dream
come true.

Then about 2 or 3 years later, they laid me off. And my insurance was going to be gone. I asked the girl that I worked with, if it was possible for me to just take over my plan, and she asked the boss. It turned out for me, that
it was. Because of the fact that I wasn't insured with the rest of the
group.

So I still have that same policy about hmmm, 18 years later.

It is the first life insurance company that would ever insure me. And its still the only one that will.

Im still uninsure able. Thanks to a boss and my friend, who decided I deserved to be able to keep my insurance I have some.

Donna