We have all had moments in our lives where we did not feel at the top of our game. Perhaps this was due to the loss of employment or death of a family member. There are many reasons to look down.
However, according to the National Institutes of Mental Health, 26.2 percent of Americans over the age of 18, this feeling of hopelessness is due to a mental health diagnosis. That's about 14.8 million adults with major depressive disorder and 40 million adults suffering from anxiety.
In addition, a study by the University of Michigan states that in the economy in crisis today, job loss and financial stress can lead to depression lasting up to two years after an individual is employed in another position .
If you ask a life insurance can a history of depression and anxiety can lead to a decrease, but often this is not the case.
When applying for life insurance, insurers are interested in a person's death rate and anything that could shorten their life prematurely. In general, insurers ask for a potential owner to provide personal and family history, as well as answer questions about the types of "risk" hobbies that the policyholder is involved in, such as scuba diving or scuba diving. The information provided may be a signal to a subscriber that the applicant should give a second look at the application to determine if a waiting period should be assigned (before the person can apply for life insurance), refuse to offer coverage or A police "marked".
In most cases, depression and anxiety counts as a "pre-existing" medical condition in a life insurance application. So if you are overweight, smoking, parachute jumping regularly, and happen to be depressed, you have a higher mortality rate than a non-smoker trimming and trimming that has a less exciting hobby and a better mood. In fact, a recent study by the Dutch Institute of Mental Health and Addictions found that the death rate for people with depression are significantly higher than those of individuals in mental health.
This is not only due to risk factors such as suicide, but with the condition that depression carries in the body, which can include high blood pressure, heart problems and decreased immune function. This translates into a person who does not eat well or not at all, sleep poorly and does not exercise. When you connect to a higher rate of drugs and alcohol among those who are depressed, it can bring a number of additional medical problems.
Insurance companies generally consider the criteria for major depressive disorder to depress the history of the mood for at least two weeks, more than four or more symptoms that include weight changes, sleep disturbance, feelings of worthlessness or Guilt, difficulty concentrating and suicidal thoughts.
Allen Hixon, manager of the State Farm Life Insurance Company, said the standard rate would still be available to applicants who have a "light" battle with depression. "In general, preferential rates are not available for some time after diagnosis, but when they are, it would be for people who have responded well to the treatment.Also, they must demonstrate an excellent medical outcome over a certain period of time, But this varies depending on severity, from the date of diagnosis, "says Hixon.
Ryan Pinney, director of brokerage for the Pinney Insurance Center in Roseville, Calif., Agrees: "In more serious cases or those with a history of attempted suicide or hospitalization, there would be a rating or possible deterioration. Pinney suggests contacting a number of companies to find a better rate and work with them. "If you are looking for a better rate, A company or organization familiar with depression and mood disorders.
Those who suffer from anxiety have a time getting life insurance a little easier, but are still considered a risk by life insurers. In most cases, insurers offer a standard rate for a person suffering from anxiety or panic, but preferential rates will not apply in this case.
Pinney said: "By itself [anxiety] is usually a non-subject and therefore not" taxable "for assurance.Lorsque companies becomes a problem is when drugs and treatment
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