We all understand that we need to take care of our physical health, but it is equally important for your clients to understand that their mental health is important, too. Your clients may not be aware that when they apply for life insurance, they will be asked questions about both their physical, and mental health. (See page 6 of the ivari UW pocket guide.)
At the start of their life insurance application, your clients will likely be asked a series of questions regarding any diagnosis they have been given by medical professionals. Their answers to these questions are what help the insurer better understand potential risks and assess whether the client qualifies for life and critical illness insurance.
Pre-existing conditions and life insurance
Having a physical or mental illness does not mean that your client is not eligible for life insurance. There are a lot of factors to consider, and each client is unique. If your client does mention a diagnosis of mental illness, you can let them know that many people with mental illnesses like anxiety and depression are insurable for Life and CI.
Music therapy
Regardless of whether they qualify for life insurance or not, there are therapies available that they can try on their own, like music therapy, to ease the symptoms of their anxiety and depression. Music therapy has shown promising results in treating anxiety and depression by leveraging the powerful effects of music on activating various parts of the brain associated with emotions.
By listening to, or creating, music neurotransmitters like dopamine and oxytocin are released.1 These neurotransmitters play a role in the brain’s reward and pleasure systems and are involved in bonding and trust. Music can also reduce levels of cortisol, the hormone associated with stress. By lowering cortisol levels, music can help alleviate feelings of anxiety and promote relaxation.
Music also provides a non-verbal outlet for expressing emotions, which can be particularly beneficial for individuals who find it difficult to articulate their feelings. As well, engaging with music can serve as a distraction from negative thoughts and feelings, providing a mental break and reducing the intensity of anxiety and depressive symptoms.
Overall, music therapy offers a versatile and effective approach to managing anxiety and depression, providing both emotional and physiological benefits.
Our dedicated sales and underwriting teams are available to answer any questions you or your clients may have about mental health and life insurance.
- Listening to the music you love will make your brain release more dopamine, study finds, Cognitive Science
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Disclaimer
This article is intended for general information purposes only and should not be considered specific advice, nor is it a substitute for advice from a qualified professional. The article may contain information obtained from third-party sources. While reasonable efforts have been made at the time of publication to ensure that the contents of this article have been derived from reliable and accurate sources, including third party sources, ivari provides the information “as is” and ivari does not warrant the accuracy or completeness of the information contained herein.
Neither ivari nor its affiliates, officers, employees or any other person accepts any liability whatsoever for any direct, indirect or consequential loss arising from any use or reliance on the information or opinions contained herein.
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