Just as with heart disease, cancer, or diabetes--try to get qualified for life insurance with a major psychiatric disease such as schizophrenia, bipolar or major depressive. It's tough! Being a responsible human being, and holding down a full time job while juggling a mortgage, two year old son and a marriage--all while afflicted with schizophrenia has its challenges. To add to the debacle, getting qualified for something like life insurance, which I am currently trying to do, is really a challenge.
In contrast, my wife is able to qualify for non-smoker preferred rates that are 15 times less for the same coverage in terms of premiums. That is to say that since she does not suffer from a brain disease and does not smoke, she is eligible for much better rates. Considering that I probably will not get approved for any coverage, I feel like I got a raw deal.
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