Whether or not an individual will be approved is going to be based on the insurance company’s opinion of their expected longevity. Some conditions that affect the brain and the body in a very significant way have little impact on longevity. Some do.

When researching life insurance policies for mentally handicapped adults one should first look at carriers and agents offering standard life insurance policies. Policies designed for those who are less healthy may be a viable second option, but standard policies should be looked at first.