The only life insurance I ever had was through my old jobs, as part of benefits packages. It wasn't anything I needed to apply for or reveal anything about myself for, as I recall. I didn't have a bipolar dx at the start there, anyway. I think its payout would have only been enough to cover stuff like funeral costs, plus a bit more. So no, I never applied for any type of life insurance of the sort that you refer to. Also, I lost that insurance when I became separated (terminated/left) from the companies.