I am not bipolar but thought my experience might be relevant--

I tried to get a small whole life insurance policy (basically a death benefit) through a phone service that my husband used to get his term policy. Basically they work with several companies and try to match you with the best policy.

The lady on the phone asked me a vague question about "mental" and "brain" conditions. I said, does depression count as one of those? And she said, have you been hospitalized for it in the past three years? I said yes, as I had been. She said, sorry, then you don't qualify.

Ten minutes later she called me back and said she was mistaken. Depression was okay, it was "only mental illnesses, like bipolar," that counted. I was able to get the policy.

The whole thing was pretty confusing. I'm not sure the lady on the phone had any idea what she was talking about.

But I thought I would mention it because the date of your last hospitalization seemed to be relevant, at least for this policy.

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