Posted by Bill LL on August 11, 2005, at 12:33:44
In reply to My new potion: Lithium and Lamictal, posted by Sabino on August 10, 2005, at 19:50:35
You mentioned your concern with the mental health questions on the life insurance application.
Generally, most insurance companies will charge higher premiums if you have depression. This is especially true if you are buying individual coverage.
It's hard to falsify the information because companies require that you give them the names of your doctors who they then contact.
Although I don't know this for certain, I think that you can get a better rate if your diagnosis is "anxiety" rather than "depression". Two years a go I told my doctor that I think that my main symptom was anxiety rather than depression and asked him if he would change my diagnosis in case an insurance company contacted him. He said he would.
poster:Bill LL
thread:527198
URL: http://www.dr-bob.org/babble/20050811/msgs/540292.html