Life Insurance With Attention Deficit Hyperactivity Disorder (ADHD) or (ADD)


Attention Deficit Hyperactivity Disorder (ADHD) and Attention Deficit Disorder (ADD) are disorders which stem from response centers in the brain not functioning properly which lead to inattention and hyperactivity in younger children, but also affecting adults just the same.

Symptoms include not being able to focus on tasks, short attention spans when performing tasks, the feeling of needing to complete multiple tasks at a time or restlessness for long periods of time. For children in school or adults who are working, this will obviously decrease learning and productivity.

How Does ADD/ADHD Affect Life Insurance?

Luckily, most insurance companies won’t see ADD/ADHD as an inhibitor to obtaining life insurance. The disorder itself is not a major concern. What the underwriters are going to look for are instances where ADD/ADHD might contribute to other negative lifestyle factors such as addictions or addictive personalities, or even criminal records.

The medications which are used to treat the symptoms of ADD/ADHD can also play a minor role in the underwriting decision, depending on the frequency and dosage of medicine used. Any other concerns for unhealthy habits which might pertain to ADD/ADHD could also be a small flag to the underwriters when considering your class risk.

Can I Be Declined?

Someone who might have been sent to the hospital or suffering from an addiction which could be somehow related to the ADD/ADHD could be declined, but it is unusual.

If a person has a mild case of ADD/ADHD and shows no signs of any dependencies or abnormal behaviors, they can actually get the best ratings available, like preferred or preferred plus. A clean background is a requirement for this type of rating also. Any previous visits to the hospital or a rehabilitation center will have an adverse correlation to getting top ratings.

With the use of medication or a mild history of drug or alcohol abuse, the applicant could still receive a standard rating, which is a bit more expensive than preferred or preferred plus class ratings.

Take Action!

If a person is showing symptoms of ADD/ADHD, it’s a good idea to apply for life insurance sooner than later. While the symptoms can be treated, and daily life can continue as normal, the disorder can not be simply cured and finding life Insurance with attention deficit hyperactivity disorder shouldn’t wait. If the disorder were to make a turn and link to addiction, for example, this will only complicate the application process. Even if a person has already been declined, they could undergo treatment and re-apply after 12 months has passed.

Contact an independent agent who can sift through multiple carriers for you, to be sure you are getting the best rates. Not all insurance companies have identical underwriting procedures, so some may be more accessible than others.

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