For many, the process of securing life insurance feels like a clinical audit—a deep dive into blood pressure, cholesterol, and family medical history. For those living with mental health conditions, that audit can feel even more daunting. Because life insurance is fundamentally a business of risk assessment, conditions such as depression, anxiety, or bipolar disorder…
Life insurance is fundamentally an exercise in risk assessment. Underwriters at insurance companies are tasked with predicting the likelihood of a claim, which involves a deep dive into an applicant’s medical history, lifestyle choices, and genetic predispositions. For decades, mental health conditions were viewed by the industry through a restrictive lens, often leading to automatic…
Life insurance is fundamentally an exercise in risk assessment. Underwriters calculate the statistical likelihood of a claim based on an applicant’s age, medical history, and lifestyle choices. For decades, this process has viewed mental health diagnoses through a conservative lens. However, as the medical community’s understanding of mental health has evolved, so too have the…
