Find the Best & Lowest Cost Burial Insurance with Bipolar Disorder

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Getting affordable burial insurance with Bipolar disorder is easier than you may think. In fact, you most likely won’t notice any differences in the pricing for you vs someone that is considered perfectly “healthy.”

In this article, we will discuss how burial insurance companies react to someone who is manic depressive, what you can expect from this and how we can help you get coverage at an affordable price.

The Reality About Burial Insurance with Bipolar Disorder

As a quick tip, the easiest way to get the lowest rates on funeral insurance is to qualify for a plan that doesn’t see your health issue as a problem. With that, you will find that being Bipolar typically doesn’t raise any red flags for most funeral insurance companies.

When there are no “red flags,” that means you pay the lowest rates. These are the rates that the healthiest people pay. All of this is done by the insurance company asking a series of health questions, no physical, no exam. And as we’ve already pointed out they most likely wont even ask a question about you being Bipolar.

Being Bipolar can obviously make certain things about daily life more difficult. Fortunately, modern science has created numerous ways for us to get treatment and manage the issue with relative ease. The insurance companies know this and that’s why it almost never makes your funeral insurance cost more or require you to endure any sort of waiting period.

Underwriting Bipolar Applicants

Underwriting is just an industry term that describes the insurance companies’ way of assessing the risk level of your health issues, so they know how much risk they’re taking by offering you coverage. Ultimately the insurance company will use two ways of underwriting your situation. First, there are the health questions. Second, there is the prescription history check. Both of these will be used by the insurance carrier to determine if you are eligible for coverage.

The Health Questions

You will notice that most companies don’t even ask about this, regardless of how its described, such as “Bipolar”, “manic depression”, “mania”, or “hypomania”. And when an insurance company doesn’t ask, they don’t care. It means they don’t see that as an issue, even if you were to proactively tell them about it, they still wouldn’t care.

Bipolar Medications

After the health questions, the insurance companies will look at your prescription history. Basically, they do this to verify your health and to double check that you were forthcoming on the health questions.

Most Bipolar patients are taking various medications to manage the condition. Anything mood stabilizers, antipsychotics, antidepressants, antidepressant-antipsychotic, and anti-anxiety medications are items one could be taking.

That said, below is a list of Bipolar prescriptions that burial insurance companies are completely fine with. If you take any of these medications, the insurance company wont even blink. If you’re taking a medication that can also be used to treat other conditions, the insurance company might have a follow up question, but again, that almost never a cause for concern.

• Aripiprazole (Abilify)
• Asenapine (Saphris)
• Carbamazepine (Tegretol, Equetro, Others)
• Divalproex Sodium (Depakote)
• Effexor
• Emasam
• Lamotrigine (Lamictal)
• Lexapro
• Lithium (Lithobid)
• Lurasidone (Latuda)
• Marplan
• Nardil
• Olanzapine (Zyprexa)
• Parnate
• Paxil
• Prozac
• Quetiapine (Seroquel)
• Remeron
• Risperidone (Risperdal)
• Valproic Acid (Depakene)
• Wellbutrin
• Ziprasidone (Geodon)
• Zoloft

Different types of Bipolar disorder

According to the Diagnostic and Statistical Manual of Mental Disorders, there’s various types of Bipolar disorder that one may be dealing with. None of the following will have any negative impact on getting whole life (burial) insurance.

Bipolar 1 Disorder: This is where you’ve had one or more manic episodes. This could cause significant harm in your life and could result in hospitalization or trigger a psychosis like a break from reality.
Bipolar 2 Disorder: This is where you’ve experienced at least 1 major depressive episode that lasted at least 2 weeks and at least 1 hippomanic episode that lasted 4 or more days, but you have never endured a manic episode.
Cyclothymic Disorder: You’ve had at least 2 years (or 1 year in children and teenagers) of numerous periods of hypomania symptoms. During that time, the symptoms happen at least half the time, and fail to go away for more than 2 months.

How To Find The Best Burial Insurance With Bipolar Disorder

By now it’s probably clear that being Bipolar won’t be an issue. Obviously, this article mainly focuses on how being Bipolar won’t have any effect on your funeral insurance. At the same time, it’s important to remember that your overall health is going to be a factor and if you have other health issues, it may have an effect on being able to secure the lowest cost plan.

The more information you can give us, the more we can see the whole picture and find the best option out there for you. Your Simplegacy agent will assess all your health conditions and let you know which companies would suit you best.

About Simplegacy

Simplegacy works with 20+ insurance carriers. Not only will we find a company to work with you, we will find multiple. When we do, we can compare rates and impartially recommend whichever carrier will give you the best value. We are not tied to any single company, which gives us the ability to unbiasedly tell you what your best solution is. Since we only work in the Burial/Funeral/Final Expense Insurance category, you will never have to worry about being “cross-sold” or pushed into a solution that doesn’t make sense in the long run for you.

We are here to help you in any way we can. We will use every resource available to us in order to help you find the best policy that will work for you and your family. Our goal is to approach every scenario the way we would if it was our own family that we were planning for.

Call us at 888-519-9119 or fill out the quick quote form for an instant quote.

Facts & Tips For Burial Insurance:

  • Your coverage will never be cheaper than it is today.

  • The average funeral cost is between $9,000 and $15,000.

  • Work with an independent agent that represents multiple insurance companies.


Loved the service I recieved from Dominick at Simplegacy.  He was knowledgable and had answers to all my questions.


My husband and I each got a policy at what we feel is a fair price for our age.  Simplegacy was fair and professional.


I called in and got a burial policy.  Nick answered all my questions and didn’t pressure me at all.



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Simplegacy is a licensed independent insurance agency that specializes in burial insurance. If you are under the age of 85, there is a 99% chance that we can get you an affordable burial insurance policy to cover your final expenses.

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Or call (888-519-9119)

Get an Instant Quote

Simplegacy is a licensed independent insurance agency that specializes in burial insurance. If you are under the age of 85, there is a 99% chance that we can get you an affordable burial insurance policy to cover your final expenses.

Get a Quote

Or call (888-519-9119)