Published company evidence
Read the context behind each recommendation, including the study it came from and the limits of what the evidence can show.
272 published fit reviews
USAA is a mixed fit for life insurance with bipolar disorder. It offers term, simplified whole life, and guaranteed-issue options, but publishes no bipolar-specific underwriting rules, so approval and pricing cannot be predicted.
Corebridge Financial is a mixed fit for life insurance with bipolar disorder. Two of seven platforms named it during ranking discovery, and it finished ninth overall with an average listed rank of 6.0.
Protective Life is a mixed fit for life insurance with bipolar disorder. It offers a no-exam simplified-issue term path and a fully underwritten path reaching $50 million, but publishes no bipolar-specific approval rules, rate classes, or premiums.
John Hancock Financial is a mixed fit for life insurance with bipolar disorder. Three of seven platforms named it during ranking discovery — a 43% share — at an average listed rank of 5.0 and a best rank of 4.
Transamerica is a mixed fit for life insurance with bipolar disorder. Four of seven AI platforms named it, but verdicts ranged from good to uncertain. Final expense whole life and Trendsetter LB term may be issued without a medical exam, though severe or unstable cases are likely declined.
Haven Life is a weak fit for a buyer seeking new life insurance with a history of depression in 2026. It stopped accepting new applications on January 12, 2024, and never published depression-specific underwriting rules, though its former simplified-issue term products asked fewer mental-health questions.
Lincoln Financial is a mixed fit for life insurance with bipolar disorder. Five of seven platforms named it during ranking discovery, and it finished fifth overall with an average listed rank of 4.0.
Protective is a good but not definitively best fit for life insurance with a history of depression. Controlled cases on limited medication may reach Preferred Plus or Preferred, but Protective publishes no depression-specific thresholds and its accelerated underwriting excludes depression.
Pacific Life is a mixed fit for life insurance with bipolar disorder. Its term lineup offers level premiums and conversion rights, but no bipolar-specific acceptance criteria are published, so approval and pricing depend on individual underwriting.
Mutual of Omaha is a good fit for buyers with bipolar disorder who are 45-85 and want guaranteed acceptance with no medical exam or health questions. Coverage is generally capped around $2,000-$25,000, and the first two years pay a limited natural-death benefit.
Mutual of Omaha is a mixed-to-good fit for life insurance with a history of depression. It offers simplified-issue Term Life Express for stable, treated depression and Guaranteed Whole Life with no health questions for ages 45-85, but publishes no depression-specific underwriting grid.
Banner Life (Legal & General America) is a good — not universal — fit for a U.S. buyer with bipolar disorder who has been stable for several years, follows treatment consistently, and can complete full medical underwriting.
