Get The Best Rate On Life Insurance With Attention Deficit Disorder (ADD) & (ADHD) in 2014
Attention deficit disorder (ADD) is one of the three subtypes if attention-deficit hyperactivity disorder (ADHD). It is a condition that refers to one’s inability to control their behaviors or impulses.
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Adderall (generic-amphetamine and dextroamphetamine)
Adderall XR (generic-amphetamine and dextroamphetamine)
Ritalin, Ritalin LA, Ritalin SR (generic-methylphenidate)
Wellbutrin, Wellbutrin SR, Wellbutrin XL (generic-bupropion
Zyban (generic- bupropion)
Underwriting factors insurance company may ask
When were you diagnosed with ADD/ADHD?
Ever been diagnosed with any other mental conditions, like depression, mood disorders, etc?
Any problems with employment due to ADD/ADHD?
Any hospitalization or suicide attempts for mental health reasons?
Any recent medication changes?
Any substance abuse in past?
•Rated A-C 1
•Rated D-H 2
•Rated I & Above 3
Rating with ADD/ADHD
•Mild to moderate ADD/ADHD with no other psychological disorders. No substance abuse issues. No social, work or other daily function problems: possible Preferred Plus rating class
•Same as above but for a homemaker: possible Preferred rating class
•Severe ADD/ADHD: Substandard rating class to a decline.
I have found that obtaining life insurance with attention deficit disorder or attention deficit hyperactivity disorder is typically not an issue in 2014, if you choose the right company. By knowing the factors that affect life insurance rates, you can shop with confidence and know what to expect. You can use the instant quote engine on this site to shop for the best rates using this information. Also, keep in mind underwriting will also look at build, other health conditions and lifestyle. If you fall into a lower rating category than you anticipate, that is OK, you can still get a policy and ask the life insurance company to re-evaluate your rate once your health has improved. Also, if you are not sure which rating category you fall into, just get in contact with me by using the contact tab.
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