Generalized anxiety disorder is characterized by unrealistic or excessive anxiety regarding more than one life issue. Panic disorder is characterized by recurrent panic attacks (periods of intense fear and discomfort) on an unpredictable basis.
- No hospitalizations, no interference with normal work or social activities, on no medication or medication taken intermittently, may be Standard.
- History of hospitalization, some impact on work or social activities, may be Table D.
Depression.
- No hospitalizations or suicide attempts, no time lost from work, no substance abuse, short-term psychotherapy, no medication or single antidepressant, may be Standard to Table F.
- No hospitalizations or suicide attempts, less than one month lost from work, no substance abuse, on-going psychotherapy, one or two medications, may be Table D to Table F.
- Others - possibly not insurable.
Life Insurance Solutions, in summary when underwriting a depression history, suggests for those persons looking for life insurance for a depression condition, the following factors are very important in assessing the risk:
- What diagnosis was given?
- Number of episodes and date of last episode?
- Was depression described as bipolar or manic?
- Was depression related to a specific event?
- Dates of hospitalizations?
- Type of treatment?
- Names of medications?
- How often medication is taken?
- Date last used medication?
- How much time lost from work, or not able to perform regular daily activities?
- Seeing a psychiatrist? How often?
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