Category

ADHD

Mydayis and ADHD Life Insurance

By | ADHD | No Comments

 

Mydayis is the new medication that has recently come on the market (2017) to treat Attention Deficit Hyperactivity Disorder (ADHD).

Mydayis represents an evolution in the treatment of ADHD.

For Gen Xers like myself (people in their mid to late 30’s, 40’s, and early 50’s born between 1965 and 1984), having ADHD is a real issue in living our lives as best we can, and medications—like Mydayis—can offer pragmatic solutions.

In this article, I will discuss the following:

  • an overview of what ADHD is as well as its symptoms,
  • a synopsis of what Mydayis is, how it differs from other ADHD medications on the market like Adderall, and how I believe it’s an evolution in the treatment of ADHD, and
  • how Mydayis effects life insurance.

If you are a Gen Xer with ADHD who would like to proceed with getting life insurance quotes and skip this article, you can generate life insurance quotes from up to 20 A-rated life insurance companies on the life insurance quoter here.

What is Attention Deficit Hyperactivity Disorder, and what are the symptoms?

According to this source, ADHD is a “highly genetic, brain-based syndrome that has to do with the regulation of a particular set of brain functions and related behaviors.”

The symptoms of Attention Deficit Hyperactivity Disorder include the following:

  • Inattention,
  • Hyperactivity,
  • Impulsivity, and
  • Moodiness.

Attention deficit hyperactivity disorder can develop in childhood or in adulthood. It is estimated that around three million American have attention deficit disorder, many of whom are untreated.

There are a multitude of causes for ADHD that people have put forth over the years including genetics (which is what most scientists believe today), bad parenting, sugar and carb-based diets, too much TV, lead-based paint, or even, that it’s a made up illness.

It is not a made up illness.

ADHD (as well as the criteria for diagnosing the condition) is listed in the Diagnostic and Statistical Manual of Mental Disorders fifth edition (DSM5), which is the worldwide authoritative guide for diagnosing mental disorders.

Credence is given to authoritative sources on this blog.

Treatments for Attention Deficit Disorder include:

  • Therapy,
  • Diet, Exercise, Meditation, and
  • Medication.

So, what about this new medication—Mydayis—that is used to treat ADHD?

Adderall and Ritalin are household name medications used to treat Attention Deficit Hyperactivity Disorder.

Mydayis is a a new medication that just came on the market in 2017 that represents an evolution in the treatment of ADHD.

According to this this source, “Mydayis is a long-acting, triple-bead, mixed amphetamine salts formulation used for once-daily treatment of symptoms of attention deficit disorder (ADHD or ADD) in adolescents and adults 13 and older”.

The dosages for Mydayis are the following: 12.5 mg, 25 mg, 37.5 mg, or 50 mg.

The triple-bead mixed amphetamine salts causes instant release of the drug in the human body, delayed release of the drug in the human body, and extended release of the drug in the human body.

What does that mean?

It means:

  • The medication will last longer (16 hours as opposed to Adderall’s 12 hours)
  • Mild euphoria at the onset of taking the medication (as opposed to great euphoria from Adderall and Ritalin)
  • Little to no comedown (as opposed to the crash and depression associated with Adderall and Ritalin)
  • Less risk of dependency because less euphoria (as opposed to Adderall and Ritalin).

Therefore, Mydayis truly is an evolution in the treatment of ADHD.

How does Mydayis effect life insurance?

Mydayis—like all medications used in the treatment of ADHD–will effect each user’s life insurance differently.

Life Insurance companies look at the following factors when evaluating a life insurance applicant using Mydayis:

  • Duration and Length of Mydayis use
  • Dosage of Mydayis
  • Medical records
  • Life insurance medical exam.

Your medical records will list dosage and duration of MyDayis use and your other medical history—your medical records, in combination with your life insurance medical exam which is a prerequisite for most large life insurance policies, will give life insurance companies enough information to rate you for the particular life insurance policy you are seeking.

The bottom line: Mydayis use may have no impact on your life insurance rate or a moderate impact on your life insurance rate, depending on a number of criteria, but especially your overall health.

Mydayis users can certainly get Preferred and Standard Plus rates for life insurance which are excellent rates.

I hope this has been a help introductory article on what ADHD is and some of the common symptoms of ADHD, common treatments for ADHD including medication, and the newest medication on the market used in the treatment of ADHD, Mydayis. Because it lasts longer, has little to no comedown, and less risk of dependency, I believe it is an evolutionary drug in the treatment of attention deficit hyperactivity disorder.

If you are a Gen X with ADHD and want quotes for life insurance, you can generate your own life insurance quotes from 20 A-rated companies (like Prudential, Mutual of Omaha, Banner Life, etc.), right here. Generating your own life insurance quotes will take less than five minutes of your time.

If you would prefer to discuss your life insurance needs with me directly, moreover, email me at robert@weigelinsurance.com, message me through linkedin, or contact me here.

 

Until next time and until next life insurance article,

 

Robert Weigel

Life Insurance Agent for Generation X

www.weigelinsurance.com

robert@weigelinsurance.com

 

Term Life Insurance for Gen Xers who have ADHD

By | ADHD | No Comments

If you are a Generation Xer like myself (i.e. if you are in your mid to late 30’s, 40’s, and early 50’s) and have Attention Deficit Hyperactivity Disorder (ADHD), this article is for you. Generation Xers like myself face the biggest transitions in life including getting married, having children, buying a house, growing in their career, starting a business, caring for their elderly parents, etc. Pressure is high for Gen Xers but so is the will to succeed and safeguard their families from big losses which makes life insurance important to Gen Xers. ADHD can compound the anxiety Gen Xers feel in their day-to-day lives—but I have GREAT news:

ADHD alone does not significantly impact Life Insurance Rates for Gen Xers! 

Yes, you heard me—you can get good life insurance rates if you are a Gen Xer with ADHD and take medication for it.

Securing Term Life Insurance for Gen Xers who have ADHD is the same process as securing term life insurance for someone who does not have ADHD.

(If you would like to skip this article and generate your own Term Life Insurance quotes from around 40 life insurance companies, contact me at robert@weigelinsurance.com)

Here’s the Life Insurance application process in a nutshell for Gen X with ADHD:

  • LIFE INSURANCE NEEDS ANALYSIS–The first part in getting life insurance if you are a member of Generation X with Attention Deficit Hyperactivity Disorder is doing a Life Insurance needs analysis. You need to calculate how much life insurance you need. When doing a needs analysis, factor in your mortgage, school debt, car loan debt, credit card debt, etc. An experienced life insurance agent can help you with doing a needs analysis to decide how much life insurance you need. Here’s a link to a life insurance needs calculator that will help you get started: http://www.lifehappens.org/insurance-overview/life-insurance/calculate-your-needs/.
  • GET LIFE INSURANCE QUOTES–After you have decided how much life insurance you need, the next step is getting life insurance quotes. I recommend using an independent life insurance agent like myself who can shop around your life insurance needs with many companies instead of going through a captive insurance agent like State Farm, Allstate, etc. who only sells that particular company’s life insurance. Simply stated, independent agents can offer you many more life insurance options than captive agents. Having said that, there are many very good captive agents out there so you use your best judgement. I offer simple Term Life Insurance to members of Generation X because I’m a Gen Xer myself so I sell what I know. Term Life insurance is straightforward, easy to understand, and the cheapest type of life insurance. If you are a Gen Xer with ADHD in need of Term Life Insurance, go to the quoter on my website at www.weigelinsurance.com and generation your own life insurance quotes from a plethora of life insurance companies. It will take you less than 5 minutes to get your own life insurance quotes.
  • SUBMIT A LIFE INSURANCE APPLICATION–Once you have decided what life insurance policy and what life insurance carrier you want to get life insurance with, submit an application. The application is going to ask you some basic questions like your name, address, who you want your beneficiaries to be as well as some in depth questions about your health, driving history, etc. The important thing is to be honest in your life insurance application.
  • SCHEDULE A LIFE INSURANCE MEDICAL EXAM–Some life insurance companies do not require a medical exam as a condition for getting life insurance—many companies do. It just depends on the life insurance carrier and the size of the policy you need. For example, SBLI is an A-rated company that offers up to $500,000 term life insurance without a medical exam. SBLI is a great option for Generation X because SBLI significantly speeds up the process of getting your life insurance. However, If the life insurance policy you are getting requires a life insurance medical exam, you need to schedule one. Your life insurance agent will walk you through this. A nurse will come to your house (or you can have the nurse come to your place of work, business, etc.) to take your blood, retrieve a urine sample, check your blood pressure, check your height and weight, etc. at your life insurance medical exam. The life insurance medical exam takes about 30 minutes for you and the nurse to complete.
  • LIFE INSURANCE UNDERWRITING–Once you have completed your life insurance medical exam and submitted your life insurance application, life insurance underwriters at the company you have chosen will begin to review your application. Depending on the size of the application and the company you have chosen, this process can take as little as minutes (if the underwriting is automated) to weeks (if the underwriting is done by a human life insurance underwriter). Your application will be scrutinized, your medical records will be ordered, etc. during the life insurance underwriting process.
  • LIFE INSURANCE POLICY ISSUED AND PREMIUM PAID–Once underwriting is finished and your policy has been conditionally issued (let’s assume it hasn’t been denied and the policy came back as quoted), you’ll need to sign the policy and make your premium payment so that the policy becomes issued. That’s it—then it goes into effect.

I hope this has been a helpful article on the basics of getting life insurance if you are Gen Xer with ADHD.

The great news—if you are a Gen Xer, having ADHD alone does not significantly impact your life insurance rates.

If you are a member of Generation X who needs life insurance, call me at (615) 525-6165 or Contact Me Here. You can also go to the quoter on my website at www.weigelinsurance.com to generate your own term life insurance quotes from a host of A-rated life insurance companies.

 

Until next time,

Robert Weigel

Term Life Insurance Agent for Generation X

Robert@weigelinsurance.com

(615) 525-6165

www.weigelinsurance.com

ADHD and Life Insurance Rates

By | ADHD | No Comments

If you’re a Gen Xer like me—in your mid to late 30’s, 40’s, and early 50’s born between 1965 and 1984—getting a good rate on your life insurance is a really high priority.

Why is getting a good life insurance rate so important to Gen Xers?

Because Gen Xers have a host of other areas that their money needs to go to including their spouse, their kids, their house, their retirement, and their new business just to name a few. Plus, Gen Xers want to put a little money aside to have some fun, like going on a vacation. The age range between mid 30’s to early 50’s is the most expensive time in most peoples’ lives.

Which brings me to my point…..the final rate that you get as a Gen Xer applying for life insurance will be determined by the health classification the life insurance company puts you in. The health classifications range from preferred plus non-tobacco, which get the best life insurance rate, to substandard and tobacco, which gets the most expensive life insurance rate.

For those Gen Xers like me who have attention deficit disorder and attention deficit hyperactivity disorder, the condition makes it a little more difficult, but possible, to get the best rate possible.

(If you want to know more about me and why I exclusively sell term life insurance to Generation X, read about me here. If you just came to my website to get life insurance quotes from around 20 A-rated life insurance companies, get life insurance quotes here.)

 me

So what are the primary health classifications for those Gen Xers with ADHD who are applying for Life Insurance?

  • PREFFERED PLUS–-Preferred Plus is the highest health classification for those applying for life insurance and is reserved for those Gen Xers who are in excellent health. Your height and weight are proportional, your cholesterol is within the normal range, and your heart rate and blood pressure are optimal. You have no family history of cancer, diabetes, or heart disease as well as no other negative risk factors on your application like skydiving, hang gliding, and an excellent driving history. In addition to the preceding factors, you have no conditions comorbid with ADHD, you have a steady and stable employment history and lifestyle, and do not take any medication for ADHD. Your ADHD symptoms are very low-grade. You get the best life insurance rate. Less than 5% of the life insurance applicants I’ve worked with have received preferred plus life insurance rates.

 

  • PREFERRED–-Preferred is the second highest health classification for those applying for life insurance, and also means you are in very good health. Your height and weight are proportional, but you may have a family history of cancer, diabetes, or heart disease for which you have no control. Your cholesterol and lipid levels may be higher than optimal as well but your major organs—specifically your heart—are in great shape. For those Gen Xers with ADHD in this health class, you probably take a little medication for your condition, but your employment history and lifestyle are stable. For life insurance applicants who get a preferred health classification, you get a great life insurance rate.

 

  • STANDARD PLUS–-This health classification is reserved for those Gen Xers applying for Life Insurance who are in above average health. You may be a little overweight for your size; you may have diabetes, cancer, and heart disease in your family (one but not all); your blood pressure is not optimal but within the normal range; and your cholesterol may be a little high, but you take medication to keep in in the normal range. You take medication to control your attention deficit disorder symptoms. Gen Xers with ADHD applying for life insurance that fall within the standard plus health class still get a good life insurance rate.

 

  • STANDARD—This health classification is reserved for the masses of Gen Xers applying for Life Insurance. Standard basically means that you are in average health. At least 50% of the the life insurance applicants I work with receive a standard health rating. You take medications, not only to control your ADHD, but for other conditions as well, like high blood pressure and high cholesterol. You have a family history of heart disease, cancer, and diabetes. Your height and weight are not within the normal range, typically 20 to 25 pounds too much weight for your height. For those Gen Xers applying for life insurance that get a standard health rating, you get a mediocre rate.

 

  • SUBSTANDARD–-This health classification is for those who are below average health. You are obese; your cholesterol and blood pressure levels are not good; you have diabetes, cancer, and heart disease in your family, and you are at risk of those diseases as well (if you don’t already have them). For those Gen Xers with ADHD, you have all the preceding conditions plus you have strong symptoms of attention deficit disorder for which you take medication. Your ADHD condition may be comorbid with alcoholism, drug abuse, or depression which has effected the stability of your employment. Substandard life insurance applicants have a number of variables that life insurance companies look at to calculate the risk. Life insurance applicants with a substandard health class get a high rate.

 

  • TOBACCO–-Add cigarettes and tobacco to the mix, and your life insurance rates skyrocket. Tobacco increases life insurance rates for my applicants by roughly 30%. Want a lower life insurance rate? The easiest way to get a lower life insurance rate is to quit smoking.

 

I hope this has been a helpful article on the various health classifications for those applying for life insurance—and, in particular, for those members of Generation X applying for life insurance who have attention deficit disorder.

If you are interested in getting quotes for life insurance from A-rated life insurance companies, contact me here, call me at (615) 525-6165, or email me at Robert@weigelinsurance.com.

If you prefer to generate your own life insurance quotes from at least 20 top-rated life insurance companies, get your life insurance quotes here. Just enter your height, weight, and how much life insurance you need in the quoter, and you’ll be able to generate your life insurance quotes within about 5 minutes.

 

Until next time and until next life insurance article,

 

Robert Weigel

Term Life Insurance Agent for Generation X

www.weigelinsurance.com

Robert@weigelinsurance.com

(615) 525-6165

 

How Alternative Treatments for ADHD effect Life Insurance Rates for Generation X:

By | ADHD | No Comments

For many Gen Xers like myself (people in their mid to late 30’s, 40’s, and early 50’s born between 1965 and 1984), attention deficit hyperactivity disorder is a real issue that has to be combated on a day-in-day-out-basis to live a manageable life.

The good news—there are many alternative treatments for Attention Deficit Hyperactivity Disorder on the market for members of Generation X. The best part about these non-medicinal treatments for ADHD–-they do not increase your life insurance rates. In fact, for Gen Xers, these alternative treatments for attention deficit hyperactivity disorder may get you a better life insurance rate because many of these alternative treatments for ADHD make you healthier.

(If you are a Gen Xer who already knows enough about alternative treatments for attention deficit hyperactivity disorder and you just want term life insurance quotes for your family, the LIFE INSURANCE QUOTER IS HERE. Just enter how much term life insurance you want, your height, weight, etc., and you will get term life insurance quotes automatically generated for you from twenty top-rated life insurance companies within 5 minutes of entering your information. If you want to read more about how alternative treatments for attention deficit hyperactivity disorder effect life insurance rates for Gen Xers, proceed to the remainder of the article below).

For Gen Xers like myself, here are some alternative treatments for ADHD that do not effect your life insurance rates:

  • MEDITATION–-Twenty minutes of mindful meditation in the morning does wonders for any person’s wandering mind, especially if your a Gen Xer who has attention deficit hyperactivity disorder like me. The internet is replete with articles and youtube is full of videos that will teach how to meditate. Check THIS MEDITATION ARTICLE OUT and start improving your ADHD symptoms today through mindful meditation.
  • CARDIO EXERCISE–-Daily exercise–especially strenuous cardio–-tires the body out while at the same time slowing the chatter of the mind. Members of Generation X with attention deficit hyperactivity disorder have an excess of energy–-daily cardio will get rid of that excess of nervous energy and mitigate the attention deficit hyperactivity disorder symptoms.
  • YOGA–-Many members of the Generation X crowd argue that yoga has completely negated their ADHD symptoms. According to the Yogi Times “From a biological standpoint, Yoga can help balance the production of neurotransmitters in the brain and reduce stress levels. This ancient activity combines self-awareness with physical exertion (exercise), and it also promotes a mind-body connection that many people with a diagnosis of ADHD lack. Sounds a bit “new-age”, but millions would argue that Yoga is the only thing they know that helps with their ADHD condition.” (https://www.yogitimes.com/article/yoga-help-adhd-symptoms-relax). I have regularly done yoga in the past, and I can attest that it does reduce ADHD mind chatter as well as slow heart rate.
  • GINGKO BILOBA–“Gingko Biloba has long been recommended for improving memory and increasing mental sharpness. Study results on the use of ginkgo in ADHD are mixed. A 2014 study, for example, found that symptoms improved for people with ADHD who took a ginkgo extract. Children who took 240 mg of Ginkgo biloba extract daily for three to five weeks showed a reduction in ADHD symptoms with few negative side effects.” (http://www.healthline.com/health/adhd/herbal-remedies#herbal-tea2). For members of Generation X like me, ginkgo biloba, it seems, may be a legitimate option in reducing the severity of attention deficit hyperactivity disorder symptoms even though studies are mixed.
  • FEINGOLD DIET–“The Feingold Diet cuts out artificial colorings, flavorings, and preservatives to decrease hyperactivity. While most scientific studies have disproved Feingold’s theory, some parents who have tried it say they noticed an improvement in their child’s behavior.” (http://www.webmd.com/add-adhd/guide/adhd-alternative-treatments#1). I don’t have any experience with the Feingold diet so I can’t attest to it or disprove it, but it’s common sense that artificial favorings and preservatives in food are not good for you.
  • OMEGA-3 FATTY ACIDS–“One nutrition move that has shown promise is taking omega-3 supplements. Research has shown that children with ADHD have lower levels of omega-3 fatty acids in their blood than the typical child. As a result, some doctors recommend that they take omega-3 supplements. Children who were given omega-3s showed a small improvement in how severe their symptoms were when compared to children who took a placebo. The FDA has approved Vayarin, a “medical food” containing omega-3s, for treating ADHD.” (http://www.webmd.com/add-adhd/guide/adhd-alternative-treatments#1). I don’t take omega-3 supplements so I can’t attest to the veracity or falseness of the claim that omega-3 fatty acids mitigate attention deficit hyperactivity disorder symptoms.
  • CHIROPRACTIC ADJUSTMENTS–“Some chiropractors believe that chiropractic medicine can treat ADHD. But no research has been done to see if it works. Many ADHD doctors do not support it. One theory is that an imbalance in muscle tone causes an imbalance in brain activity. According to this theory, when chiropractors adjust the ADHD patient’s spine, balance is restored in the brain.” (http://www.webmd.com/add-adhd/guide/adhd-alternative-treatments#2). I don’t know about this one. Chiropractic adjustments are more for physical ailments, not mental ones. I’ll leave this alternative treatment for ADHD for you to check out.

I hope this has been a helpful article on alternative treatments for ADHD, and their effect on life insurance rates for members of Generation X.

All in all, for members of Generation X, the alternative treatments listed above for the treatment of attention deficit hyperactivity disorder do not increase your life insurance rates—in fact, these treatments may lower your life insurance rates because these treatments make you healthier through exercise and diet.

If you are a member of Generation X like me (in your mid to late 30’s, 40’s, and early 50’s born between 1965 and 1985) and want quotes for term life insurance from many different life insurance companies at once, go to my life insurance quoter HERE and you can get quotes from many different A-rated life insurance companies. Otherwise, you can call me at (615) 525-6165, email me at Robert@weigelinsurance.com, or contact me through Linkedin.com so we can discuss your life insurance needs more fully.

 

Until next time and until next life insurance article,

 

Robert Weigel

Term Life Insurance Agent for Generation X

www.weigelinsurance.com

Robert@weigelinsurance.com

(615) 525-6165

 

How the ADHD drug Vyvanse effects Life Insurance for Generation X

By | ADHD | No Comments

Attention Deficit Disorder (ADD) and Attention Deficit Hyperactivity Disorder (ADHD) are widespread conditions for members of the Generation X population, which consists of people in their mid to late 30’s, 40’s, and early 50’s, born between 1965 and 1984. In fact, according to this site, 6.4 million Americans have been diagnosed with attention deficit disorder.

Why is ADHD and ADD so common for Gen Xers?

There’s a lot of different theories why Gen Xers are diagnosed with attention deficit conditions.

Here are a few:

  • Bad Diet which consists of lots of processed food, loads of sugars and candies, and carbohydrates,
  • Lack of Exercise,
  • Watching too much TV,
  • Lead in houseplant,
  • Dysfunctional parenting,
  • Hereditary,
  • etc.

Some of these theories are plausible—others have been discredited.

The reality is that both ADHD and ADD are probably the result of a combination of factors—the bigger reality is that attention deficit mental illnesses are real. ADHD and ADD are not made up diagnoses so pharmaceutical companies can sell more pills. The Diagnostic and Statistic Manual of Mental Disorders (DSM) is the handbook used by mental health professionals to diagnose mental disorders. It is the authoritative guide for mental disorders in the United States and much of the world—it is the Bible for mental disorder diagnosis. The DSM5 (the latest version of the handbook) lists both ADHD and ADD as legitimate mental health disorders. To read more about the DSM5 and its criteria for the diagnosis of both ADD and ADHD, go here.

So, getting to the point, what is Vyvanse and how does it treat ADHD and ADD?

There are a number of ways that both Attention Deficit Disorder and Attention Deficit Hyperactivity Disorder are treated.

Medication is a popular way of treating attention deficit illnesses because the medications work well in reducing the severity of the the symptoms so the attention deficit sufferer can live a more normal life.

One such medication used to treat both Attention Deficit Hyperactivity Disorder and Attention Deficit Disorder is Vyvanse.

Vyvanse is a central nervous system amphetamine stimulant; like Adderall, Vyvanse works by increasing the amount of the neurotransmitters dopamine and norepinephrine in your brain which decreases the severity of both ADHD and ADD symptoms.

Vyvanse can be contrasted to its better known amphetamine stimulant counterpart, Adderall, in that a) it can last longer in duration, and b) prescribed users are not prone to abuse of Vyvanse as they are with Adderall. The euphoric effect of Vyvanse is not as strong as Adderall which accounts for lower instances of its abuse.

However, Vyvanse does carry some uncomfortable side effects.

The most common side effects of taking Vyvanse for ADHD and ADD are the following:

  • “upper abdominal pain,
  • nausea,
  • dry mouth,
  • dizziness,
  • weight loss,
  • trouble sleeping,
  • irritability,
  • decreased appetite,
  • vomiting,
  • blurred vision,
  • etc.” (credits here).

If you have read enough of this article on how the ADHD and ADD medication Vyvanse effects life insurance for Generation X, you can get life insurance quotes from around 20 A-rated life insurance companies, here. Just enter in your height, weight, and how much life insurance you are needing quotes for, and you’ll be able to get your quotes within about 5 minutes.

 

 

So, what do life insurance companies look at when they get a life insurance application from a Gen Xer who takes Vyvanse for either ADHD or ADD?

To start, Gen Xers who take Vyvanse for ADHD and ADD can get life insurance. I write these policies all the time—not only can they get life insurance, Gen Xers who take Vyvanse can get great life insurance rates too!

Here is what life insurance companies look at when getting a life insurance application from a Gen Xer who takes Vyvanse for either ADD or ADHD:

  • Does the Gen X applicant take Vyvanse legally (as prescribed by a doctor) or illegally (recreationally)? This is a huge consideration by life insurance companies often minimized by life insurance agents. If the Vyvanse is taken illegally, that right there can be a denial for life insurance. Please only take Vyvanse if prescribed it by a medical doctor.
  • When/at what Age was the Gen X applicant first diagnosed with ADHD or ADD.
  • How long has the Generation X applicant been taking Vyvanse to mitigate the symptoms of ADHD or ADD.
  • What dosage of Vyvanse does the Generation X applicant take.
  • Has the Vyvanse medication contributed to a stable life—work life, personal life, etc.?
  • Does the Gen X applicant have any other health conditions caused by or correlated to the taking of the Vyvanse medication? Increased heart rate and increased blood pressure are common for people who take Vyvanse.
  • Does the applicant have any other illnesses comorbid with the ADHD diagnosis, including, but not limited to, alcohol, drug abuse, and depression? Alcohol, drug abuse, and depression are common for people with both ADHD and ADD.
  • Medical Records—Life insurance companies will look into your medical records to get an overall picture of your health.
  • Life Insurance Medical Exam—The life insurance medical exam is the holy grail for which life insurance companies determine any applicants overall health, insurability, and final life insurance rate.

All in all, Gen X applicants with attention deficit disorder and attention deficit hyperactivity disorder who take Vyvanse have no problem in getting life insurance. Furthermore, to evaluate their insurability and to determine their final life insurance rate, life insurance companies will use the criteria above.

I hope this has been a helpful article on how the ADHD and ADD medication Vyvanse effects life insurance for Gen Xers.

If you would like quotes for life insurance, contact me here, call me at (615) 525-6165, email me at Robert@weigelinsurance.com, or message me through Linkedin.

If you would prefer to generate your own life insurance quotes, go here to generate your own life insurance quotes from around 20 A-rated life insurance companies. Just enter in your weight, your height, and how much life insurance you need quotes for, and you’ll be able to get the quotes within about 5 minutes of your time.

 

Until next time and until next life insurance article,

 

Robert Weigel

Term Life Insurance Agent for Generation X

www.weigelinsurance.com

Robert@weigelinsurance.com

(615) 525-6165

 

How the ADHD Drug Ritalin effects Life Insurance for Generation X

By | ADHD | No Comments

For Generation Xers like me (people in their mid to late 30’s, 40’s, and early 50’s born between 1965 and 1984), Ritalin is a common medication to treat both attention deficit disorder and attention deficit hyperactivity disorder. It is widely believed that Ritalin was the first medication to treat hyperactivity having first been patented as early as 1955, gaining medicinal use in the 1960’s, and harnessing widespread appeal in the 1990’s through today.

All in all, Ritalin may or may not effect life insurance for a Gen Xer with ADHD or ADD—depending on a number of factors—as the article below will discuss.

What is Ritalin, and how does it treat ADHD and ADD for Gen Xers?

Methylphenidate (Ritalin is the brand name) is a central nervous system stimulant designed to treat attention deficit disorder, attention deficit hyperactivity disorder, and narcolepsy in both children and adults. It works by increasing dopamine levels and norepinephrine levels in the user’s brain. Ritalin does the following to the brain for those suffering with both ADHD and ADD:

  • Increases focuses,
  • Decreases impulsivity, hyperactivity, and restlessness,
  • Mitigates aggression and irritability,
  • Overall, calming balm to the ADHD and ADD sufferers incessantly wandering mind.

Unlike with the Brain, Ritalin’s effects on the Body for those who suffer from attention deficit disorder and attention deficit hyperactivity disorder are not as benign.

Ritalin’s can have the following effects on the Body:

Opinions are mixed and heated on whether Ritalin is an effective medication to treat attention deficit disorder and attention deficit hyperactivity disorder (or even if ADHD and ADD are legitimate disorders at all). News stories typically treat Ritalin as an illicit drug used by high school and college students to cram for final exams and papers. Rarely do news outlets focus on the life enhancing effects—as listed above–in taking the medication for the chronic Gen X attention deficit sufferer.

(If you came here to get term life insurance quotes and not to read my discourse on how Ritalin effects life insurance for Generation X, you can get life insurance quotes here. Just enter in how much life insurance you want in the quoter, your height, your weight, etc., and you will be able to generate your own life insurance quotes from around twenty top-rated life insurance companies within 5 minutes. One such company, SBLI, offers up to $500,000 life insurance without having to take a medical exam).

 

 

 

So, what do life insurance companies consider when evaluating the life insurance application of a Gen Xer who takes Ritalin for ADHD and ADD?

Life insurance companies will look at the following when evaluating the life insurance application from a Gen Xer who takes Ritalin for Attention Deficit Disorder and Attention Deficit Hyperactivity Disorder:

  • When was the diagnosis for ADHD or ADD—whether the ADHD or ADD diagnosis was made by a medical professional during childhood or in adulthood is a consideration of life insurance companies.
  • How long has the applicant taken Ritalin to combat Attention Deficit Disorder—Prescribing children Ritalin to combat ADHD and ADD is a controversial topic. I’m against it because I don’t believe a child should take a mind-altering substance while his or her brain is still forming. However, I don’t have a child who has either ADHD or ADD so my opinion might change if I did. Here’s a Cornell Study that sheds light on Ritalin and its effect on a child’s brain.
  • What dosage of Ritalin does the Gen Xer take—Obviously, there’s a big difference between taking 10 mg of Ritalin a day versus taking 40 mg of Ritalin a day. Ritalin and all stimulants used to treat attention deficit disorder and attention deficit hyperactivity disorder are stressors on the heart, brain, and major organs of the body. The more dosage, the greater the stress, the bigger toil it will take on your body over an extended period of time.
  • Medicinal or Illegal Use of Ritalin—Law-abiding Gen Xers take Ritalin as legally prescribed by a doctor for medicinal purposes. Taking Ritalin without a prescription is against the law. If you don’t have a valid prescription for Ritalin and Ritalin shows up in your life insurance medical exam, this is a big red flag for life insurance companies.
  • Is the Ritalin working/is the medication helping the applicant create a more stable lifestyle for himself or herself—the overall purpose of Ritalin is to increase the quality of life for the Gen Xer who suffers from ADHD or ADD. Life Insurance companies will be able to gauge whether the Ritalin is doing just that by looking at your employment history for one. This is more of a subjective analysis then the other criteria discussed on this list.
  • ADHD and ADD comorbid with other mental illnesses—Alcoholism and depression are common problems for people who suffer from ADHD and ADD. Life insurance companies will definitely look into other mental illnesses that could be comorbid with attention deficit disorder by pulling the Gen X applicant’s medical records.
  • Health Issues—Life insurance companies do not consider ADHD and ADD in a vacuum. Life Insurance companies will look into the overall health of the applicant through medical records and also through the life insurance medical exam which will test your heart rate, blood pressure, cholesterol levels, etc.
  • etc.

All in all, a Gen X applicant for Life Insurance who takes Ritalin to combat ADHD and ADD will be able to find Life Insurance; however, life insurance companies will look at a number of factors-–as the list above illustrates–-in determining the specific life insurance rate for that applicant.

I hope this has been a helpful article on how Ritalin effects life insurance for Gen Xers.

If you are a Gen Xer who needs quotes for life insurance for your family, Contact Me Here, or go to the life insurance quoter here. If you go to the quoter, just enter your height, weight, and how much life insurance you want, and you will be able to generate life insurance quotes from around twenty top-rated companies (including Prudential, Mutual of Omaha, AIG, etc.) within about 5 minutes.

 

Until next time and until next life insurance article,

 

Robert Weigel

Term Life Insurance Agent for Generation X

www.weigelinsurance.com

Robert@weigelinsurance.com

(615) 525-6165

 

How to manage ADHD to lower Gen X life insurance rates

By | ADHD | No Comments

We all have physical and mental issues that hold us back from being the person we want to be. This is especially true for Gen Xers like me who are married, raising a family, growing in our careers, and starting businesses. Since time is shortened by our busy lives, we, Gen Xers, are acutely aware (that is if we have the ability to look at ourselves objectively) of what holds us back, and how we short circuit our own lives from being fully self-actualized.

The key in increasing the quality of our lives for Gen Xers is coming out of denial, acknowledging that which holds us back, and working on our issues to become a better version of ourselves. For many Gen Xers, that “thing” which holds us back could be physical (i.e. we could be overweight, underweight, etc). or mental (i.e. we could have crippling depression, alcoholism, etc). In this article, I will talk about attention deficit hyperactivity disorder and how Gen Xers can fight the condition to become a loftier version of themselves…..and, at the same time, decrease their life insurance rates.

(Feel free to skip this article and get instant life insurance quotes for attention deficit hyperactivity disorder at this link. Just enter in your height, weight, and how much life insurance you want, and you’ll be able to generate your own life insurance quotes from around 20 A-rated life insurance companies within about five minutes of your time).

Here are some tried-and-true ways to manage the symptoms of Attention Deficit Disorder and Attention Deficit Hyperactivity Disorder to improve the quality of your life (and to get a lower life insurance rate):

  • Meditate every morning for twenty minutes-—meditation slows the chatter box mind of every person, but especially those with attention deficit disorder and attention deficit hyperactivity disorder. If you have ADD or ADHD and you meditate consistently each day for six months (especially in the morning when you first wake up), you will notice that your impulsivity, hyperactivity, and inattention will decrease. And you will also notice that you are just a tad bit happier than you used to be prior to daily meditation. Meditation allows the attention deficit sufferer to create space between thoughts and to respond to situations, instead of reacting to them.
  • Listen to Binaural Beats—If you don’t know what a binaural beat is, don’t fret. I didn’t either until last year. However, I’ve found that listening to them once a day really calms me down. And you don’t have to set aside time to listen to binaural beats—you can listen to them while you work. Here is the link to an article that discusses how binaural beats reduce symptoms of ADHD, and here is a youtube video on binaural beats and ADHD. Enjoy!
  • Eat Clean—Eating clean is easier said than done. Let’s be clear: a poor diet does not cause attention deficit disorder, but there is definitely a correlation between a poor diet and exacerbation of ADHD symptoms. So eat clean as much as you can. What does eating clean mean? it means eating vegetables, eating fruits that do not have as much sugar, eating lean proteins, and eating complex carbohydrates. Eating clean also means avoiding junk food like chips, soft drinks, candy, and many types of desserts. Eating clean means going back-to-the-basics by eating healthy.
  • Avoid Alcohol and Other Drugs—Alcohol enhances ADHD and ADD symptoms. Moderate your booze intake or avoid it altogether. Marijuana, which will more than likely be legal in every state of the Union in ten years, needs to be avoided as well. Weed infinitely increase attention deficit disorder. I’m not referring to medication—“drugs”—as prescribed by a doctor specifically to treat your attention deficit symptoms. I’m referring to illicit and recreational drugs.
  • Exercise Everyday—people with attention deficit hyperactivity disorder and attention deficit disorder have an engine that’s constantly purring. Exercising every day will let out that excess energy so you can concentrate better on whatever you need to focus on.
  • Work on Depression—Most people who have attention deficit disorder also have depression. Why? Because many Gen Xers were not diagnosed with ADHD until adulthood. As children, Gen Xers perceived their inability to concentrate for long periods of time as a moral slight instead of a brain condition. This moral slight was reinforced by family members, teachers, friends, etc. That takes a toll and will definitely lower the confidence of anyone, especially over a long period of time. Work on your depression by journaling or by going to individual and group therapy.
  • Make To Do Lists and Action Plans—-If you are a Gen Xer who has attention deficit disorder, your mind is going to stray. Write a To Do List or Action Plan every morning and check it off after each activity is done. This will help you stay on task. This is one of the most basic things anyone can do to manage their life. To Do Lists and Action Plans really help in reducing stress.
  • Take Medication (if necessary)—If you are really having a hard time managing your ADHD condition, go to your doctor and discuss taking medication for it. There are a host of medications on the market that can help, some of which are stimulant-based (like Adderall, Ritalin, and Myadis) and some of which are non-stimulant-based (like Strattera).

All in all, managing your attention deficit disorder will not only improve the quality of your life but will, simultaneously, lower your life insurance rates.

If you are a Gen Xer who would like to discuss life insurance with me further, call me at (615) 525 6165, email me at Robert@weigelinsurance.com, or contact me through Linkedin.

If you are a Gen Xer who just wants term life insurance quotes for your family, go to the life insurance quoter here to generate your own life insurance quotes from around 20 A-rated life insurance companies. The process in generating your own life insurance quotes will take you all of five minutes.

 

Until next time and until next life insurance article,

 

Robert Weigel

Term Life Insurance Agent for Generation X

www.weigelinsurance.com

Robert@weigelinsurance.com

(615) 525-6165

 

How Strattera effects Life Insurance for Gen Xers with ADHD

By | ADHD | No Comments

For Gen Xers (people like me in their mid to late 30’s, 40’s, and early 50’s born between 1965 and 1984), health is a high priority. We’re not teenagers anymore so we can’t eat whatever we want and expect to lose weight, and we’re no longer in our twenties so we have to exercise regularly in order to retain muscle mass. Even a single beer can bring a dreaded hangover the next day—it’s kind of pitiful. We’ve become our parents. Which brings me to my point.

Most of the medications designed to treat ADHD and ADD—Adderall, Ritalin, Mydayis, and the like—are stimulants. Stimulants provide short term energy enhancement to the Gen X attention-deficit sufferer—however, stimulants are stressors on the body which is not good for your health over the course of your lifetime.

So, what are some of the short and long term side effects for Gen Xers who take stimulants to mitigate ADHD and ADD symptoms?

  • Increased Heart Rate
  • High Body Temperature
  • Agitation
  • Reduced sexual function
  • Cardiovascular damage
  • Breathing problems
  • Headaches
  • etc. (Credits Here)

And, so, Strattera was invented.

Strattera is the brand name by the way. Atomoxetine is the drug’s actual name.

(If you are a Gen Xer with either attention deficit disorder or attention deficit hyperactivity disorder and came here to get term life insurance quotes from many different life insurance companies in around five minutes of your time, generate life insurance quotes here. Just fill in your height, weight, and how much life insurance you want, and, you’ll get the quotes from top-rated companies in just a few minutes. Otherwise, continue reading about how Strattera effects life insurance for Gen Xers below.)

What is Strattera, and how does it help Gen Xers with ADHD?

Strattera is a non-stimulant medication used to treat Attention Deficit Hyperactivity Disorder and Attention Deficit Disorder. Unlike Adderall, Ritalin, Mydayis, etc. and other stimulant ADHD drugs which boost the amount of dopamine in the brain, Strattera works by increasing the amount of  the brain chemical norepinephrine which decreases ADHD and ADD symptoms.

Here are some of the benefits of taking Strattera to combat attention deficit disorder:

  • Abuse potential is very low compared to stimulant drugs
  • Reduces inattentive and hyperactive attention deficit disorder symptoms (but not as well as stimulants)
  • Takes 2-4 weeks for it to start working in the body (stimulants work immediately) (Credits Here)

Nonetheless, taking Strattera does have some minor side effects, including the following:

  • Fatigue
  • Mood Swings
  • Headache
  • Dizziness
  • Loss of Appetite

And some major side effects, including the following:

  • Suicidal thoughts
  • Hearth Rhythm changes
  • Low Blood pressure (Click Here for a webmd.com article that gives a good synopsis of the possible side effects of taking Strattera)

 

So, what do life insurance companies consider when they get a Gen X applicant who takes Strattera for ADHD?

Strattera, without looking at other factors, is looked at more favorably by life insurance companies because it does not speed up the heart the way other stimulants—like Adderall and Ritalin—used to treat attention deficit disorder and attention deficit hyperactivity disorder do. Also, Strattera is not as addictive as Ritalin or Adderall because it is a non-stimulant.

So, what do life insurance company underwriters consider when they get a Gen X applicant for Life Insurance who is taking Strattera for ADHD or ADD:

  1. When was the applicant diagnosed with ADHD or ADD—date of attention deficit disorder diagnosis by a doctor is a consideration for life insurance companies.
  2. How long has the applicant been taking Strattera for ADHD—the length of time the Gen X applicant has been taking Strattera is a consideration of life insurance companies.
  3. What Strattera dosage does the Gen X applicant take to combat the symptoms of attention deficit disorder and attention deficit hyperactivity disorder.
  4. Is the Strattera working to improve the Gen X applicant’s quality of life
  5. Does the Gen X applicant have any other mental conditions that are comorbid with either ADHD or ADD. Alcohol abuse, drug abuse, and depression are common for people with attention deficit disorder. Life Insurance companies will be able to check for this by pulling the medical records of the applicant. Health questions on the actual application itself pertain to this as well.
  6. Life Insurance Medical Exam and Health Test. The life insurance medical exam, which is a prerequisite for many life insurance policies over a face amount of $100k, will reveal the overall health of the life insurance applicant, and how taking Strattera has effected the applicant’s health. The life insurance medical exam checks your blood, urine, and vitals to measure the Gen X applicant’s overall health.

All in all, getting life insurance for those who take Strattera to mitigate the symptoms of attention deficit disorder and attention deficit hyperactivity disorder should not be a problem. Strattera is not as addictive and is not as strong a stressor on the body as its stimulant counterparts, like Adderall and Ritalin. However, just like with all life insurance applicants, life insurance companies will want to have a full picture of your health in order to decide upon your final life insurance rate.

I hope this has been a helpful article on how life insurance is effected by taking Strattera for those who suffer from attention deficit disorder and attention deficit hyperactivity disorder. This article is specifically geared toward Gen Xers but is applicable to anyone who suffers from ADHD or ADD.

If you are a Gen Xer like me (born between 1965 and 1984 and in your mid to late 30’s, 40’s, and early 50’s) and need quotes for life insurance, Go here. The link will redirect you to a life insurance quoter. On the life insurance quoter, just enter your height, your weight, and how much life insurance you want for your family, and you’ll be able to generate your own life insurance quotes from 20 or more A-rated life insurance companies (Prudential, Mutual Of Omaha, AIG, Minnesota Life, etc.) in about five minutes of your time.

 

Until next time and until next life insurance article,

 

Robert Weigel

Term Life Insurance Agent for Generation X

www.weigelinsurance.com

Robert@weigelinsurance.com

(615) 525-6165

 

 

Adderall effects Life Insurance for Gen Xers with ADD

By | ADHD | No Comments

For Generation X—which is comprised of people in their mid to late 30’s, 40’s, and early 50’s born between 1965 and 1984—diagnoses for ADHD and ADD have been widespread.

Attention deficit disorder and attention deficit hyperactivity disorder is caused as a result of a number of factors including:

  • heredity,
  • exposure to toxic substances, and
  • brain injury from trauma.

It is no longer believed that ADD and ADHD is a result of laziness, poor upbringing, lack of discipline, and watching too much TV as many people used to believe. To read more about the causes of ADHD, Read this Article. It is very informative and written in layman’s terms.

What are the symptoms of Attention Deficit Disorder and Attention Deficit Hyperactivity Disorder?

Attention Deficit Disorder and Attention Deficit Hyperactivity Disorder has the following symptoms:

  • hyperactivity
  • impulsivity
  • fidgeting
  • anger
  • difficulty focusing
  • anxiety
  • mood swings
  • short attention span
  • etc. (credits to https://www.gstatic.com/healthricherkp/pdf/attention_deficit_hyperactivity_disorder.pdf)

There is no single test that doctors use to diagnose ADD and ADHD. Doctors use guidelines as developed from the DSM and information from school and work, from parents, from spouses, etc. when diagnosing a person.

How is ADHD and ADD treated?

Attention Deficit Disorder and Attention Deficit Hyperactivity Disorder is treated in the following ways:

  • Therapy, both individually and in groups,
  • Diet,
  • Exercise,
  • Meditation, and
  • Medication, with one such medication—Adderall—being the focus of this article

(If you are a Gen Xer with ADHD and ADD and would like to skip reading the remainder of this article and proceed to getting term life insurance quotes from many top-rated companies now, Click Here for Life Insurance Quotes. Just enter your height, weight, and how much life insurance you want in the quoter, and you’ll be able to generate your own life insurance quotes within 5 minutes)

What is Adderall and how does it treat ADD and ADHD?

Adderall is an effective medication used to combat both Attention Deficit Disorder (ADD) and Attention Deficit Hyperactivity Disorder (ADHD). It is a stimulant medication; more precisely, it is a stimulant medication comprised of two different stimulants–amphetamine and dextroamphetamine. Adderall works by increasing the amount of dopamine in your brain which speeds up your brain and allows the person to focus better. Ironically, Adderall has a calming effect on people who legitimately have Attention Deficit Disorder and Attention Deficit Hyperactivity Disorder.

Adderall is commonly denigrated as “speed” by the media and people who are not legitimately prescribed to take the medication—this is an unfair label, especially to those who have increased their quality of life as a result of taking the medication. Granted, there is abuse of the medication, especially students at high school and college campuses who purchase the drug illegally to perform better academically in school.

How does Adderall effect Life Insurance for Gen Xers with ADHD and ADD?

First and foremost, a Gen Xer who takes adderall for attention deficit disorder and attention deficit hyperactivity disorder procures life insurance for their family just like anyone else: by getting life insurance quotes from many companies, by submitting a life insurance application, by taking the life insurance medical exam (if required by that company), by getting the policy issued, and by paying the life insurance premium. It is the same process as everyone else. For Gen Xers who take adderall to combat ADHD and ADD, the medication they take may have no effect on their life insurance rate….a moderate effect on their life insurance rate….or a severe effect on their life insurance rate.

Here’s what Life Insurance companies look at when assessing a Gen Xer with ADD’s life insurance application:

  • DATE OF ADHD AND ADD DIAGNOSIS–-Was the applicant diagnosed last week? last year? or five years ago? The date of diagnosis for a Gen Xer with ADHD or ADD will be a factor that life insurance underwriters will consider when assessing the application.
  • LENGTH OF TIME IN TAKING ADDERALL—As aforementioned, adderall is a nervous system stimulant, which means it is a stressor on your heart, brain, and many of your vital organs. If taken for many years, adderall can have an effect on your body, whether that effect is mild, moderate, or severe.
  • DOSAGE OF ADDERALL–Since Adderall is a stimulant, it not only speeds up your brain, but also your heart, in addition to other organs in your body. There’s a big difference between a Gen Xer taking 5 mg of Adderall a day to mitigate their Attention Deficit Hyperactivity Disorder and Attention Deficit Disorder symptoms versus a Gen Xer who takes 40 mg of Adderall a day to manage his or her ADHD/ADD. Life Insurance underwriters are aware of the difference in dosages in assessing that particular Gen Xer’s life insurance application.
  • MITIGATION OF ADHD AND ADD SYMPTOMS–Is the Adderall working to help the Gen X life insurance applicant control their symptoms? Is the applicant able to maintain steady employment as a result of the medication? These are certainly questions life insurance underwriters will ask when assessing a Gen Xer’s life insurance application.
  • COMORBID WITH OTHER MENTAL CONDITIONS OR OTHER HEALTH CONDITIONS—Is the Gen X applicant’s ADHD or ADD comorbid with other mental conditions like depression, drug abuse, or alcoholism, all of which have increased frequency with both add and Adhd sufferers? What about other health conditions? The life insurance underwriter will be able to assess comorbidity through your medical records which are ordered as an underwriting prerequisite with life insurance companies.
  • LIFE INSURANCE MEDICAL EXAM—And finally and most importantly, your life insurance medical exam (which tests for medications through blood and urine tests) will play the biggest role for life insurance underwriters in determining your final life insurance rate.

I hope this has been a helpful, overview article on how adderall effects life insurance for Gen Xers who have both attention deficit disorder and attention deficit hyperactivity disorder.

If you are a Gen Xer who needs term life insurance for your family, you can generate your own term life insurance quotes from many top-rated companies at the life insurance quoter HERE. The process should take you all of 5 minutes to get your life insurance quotes.

Moreover, if you prefer to discuss your life insurance needs with me personally and thoroughly, you can call me at (615) 525-6165, email me at Robert@weigelinsurance.com, or Contact Me Here.

 

Until next time and until next life insurance article,

 

Robert Weigel

Term Life Insurance Agent for Generation X

www.weigelinsurance.com

Robert@weigelinsurance.com

(615) 525-6165

 

Generation X: What is ADHD, and How does ADHD effect Life Insurance Rates

By | ADHD | No Comments

For members of Generation X like me (in your mid to late 30’s, 40’s, and early 50’s born between 1965 and 1984), getting approved for a Life Insurance policy when you have ADD or ADHD is not a problem if that’s the only health issue you are dealing with.

However, not all life insurance companies look at Attention Deficit Disorder or Attention Deficit Hyperactivity Disorder the same and not all carriers will give you the best life insurance rate possible.

The following life insurance article will discuss the following:

  • What is ADD and ADHD.
  • Symptoms of ADHD and ADD.
  • Treatments for ADD and ADHD for Gen Xers.
  • Expectations for applying for Life Insurance when you have ADD or ADHD as a Gen Xer.

If you are a Gen Xer like me and would like to skip reading this article and start getting term life insurance quotes now, get instant life insurance quotes here.

What is ADD and ADHD?

ADD and ADHD are often used interchangeably by people, but they are not the same thing. ADD, Attention Deficit Disorder, is a particular set of traits in a person comprised of the following: being easily distracted (unable to completely focus on the task at hand because of preoccupations or other external stimuli) and impulsive (acting on a whim). ADHD, Attention Deficit Hyperactivity Disorder, is a particular set of traits in a person that include distractibility (like ADD), impulsivity (like ADD), but also hyperactivity (being extremely active, way beyond the norm). (https://www.askdrsears.com/topics/health-concerns/childhood-illnesses/add/what-add). The hyperactivity trait is what contrasts ADD from ADHD.

What are the Symptoms of ADD and ADHD using examples?

It’s relatively easy to spot a kid with ADHD. For example, your typical ADHD boy is the rambunctious elementary schooler who literally can not sit in his seat—he’s fidgety. He interrupts the teacher, he interrupts the class because his mind and his body can’t stay still. Now, boys are genetically-geared toward being mobile and not sitting still which is a factor in the over diagnosis of ADHD in male children today.

The kid with ADD is a little more difficult to spot. She doesn’t have the hyperactivity that the ADHD boy has. She’s not fidgety. She sits still. She’s more of the daydreamer sort whose mind is lurking here, there, and everywhere. She’s more inattentive. When the teacher calls on her in class, she hasn’t been following along because her mind is elsewhere so she doesn’t know the answer to the question or even what subject the question is pertaining to. Her mind is focused on slaying dragons, and the teacher’s mind is focused on algebraic equations. It’s no wonder that kids with both ADD and ADHD often have difficulties in school because of such a hard time concentrating on the task at hand. ADD and ADHD don’t go away as you age (the disorders can only be mitigated) so the rambunctious boy and the daydreaming girl become adults with the conditions.

What are the Treatments for ADD and ADHD for Gen Xers?

ADHD and ADD for Gen Xers, for all intents and purposes, are treated the same way.

Here are ways that the symptoms of both ADD and ADHD are managed:

  • Exercise—Exercise helps create dopamine which increases the attention span, especially those with ADHD. For the rambunctious boy in the scenario above, exercise is a God-send since it gets out all his pint up energy while at the same time helping him to focus better.
  • Diet—For Gen Xers like myself with ADD and ADHD (and for just about anyone), you want to decrease your amount of sugar intake and carb intake, especially with foods like bread, rice, and pasta. Sugar and carbs will give you a “spike” which will enhance the symptoms of both ADD and ADHD. Alcohol also needs to be moderated for members of Generation X with ADHD and ADD for the same reasons.
  • Meditation—Meditation is good for everyone, but especially for Gen Xers with ADD and ADHD. Twenty minutes of Mindfulness meditation every morning will definitely decrease the symptoms of anyone with either of these conditions, and Gen Xers specifically. Here’s a link to an article on the benefits of mindful meditation for those with ADHD and how to practice mindful meditation: ADHD and Mindful Meditation.
  • Medication–Medication is both a popular and controversial way of managing the symptoms of both ADD and ADHD, especially for Gen Xers. We’ve all read the news stories about college kids taking ADHD and ADD medication–for which they had no prescription–in order to do better in school. The three most common medications for both ADHD and ADD are Adderall, Ritalin, and Vyvanse. These drugs are central nervous system stimulants so they put stress on your heart and can even enhance other psychiatric disorders. A common non-stimulant medication for those with both ADD and ADHD is the drug Strattera. A new medication for treating attention deficit hyperactivity disorder called Mydayis has recently come on the market that shows much promise for Gen Xers.

So, what can you expect as a Generation Xer when Applying for Life Insurance when you have ADHD or ADD?

  • Not all Life insurance Companies treat ADD and ADHD the same for Gen Xers—some treat the conditions more seriously than others which will impact your health classification which in turn impacts your overall life insurance rate.
  • ADHD and ADD in a vacuum—Do you just have ADHD or ADD or do you have it in conjunction with other psychiatric illnesses (like depression) or other health issues (high cholesterol, high blood pressure, etc)? Many Gen Xers with ADD or ADHD have multiple issues they are dealing with so don’t lose sight of the forest for the trees.
  • Medications—Do you take medication to control your attention deficit hyperactivity disorder? If so, do you take the medications that speed up your heart (i.e. Adderall, Ritalin, Vyvanse, etc.) which can exacerbate heart problems when you get older or do you take non-stimulant medication (i.e. Strattera)? The type of medication you take to treat your symptoms can impact the health classification life insurance underwriters put you in which will ultimately impact your life insurance rate.
  • Dosage of Medications–What’s your Dosage? For Gen Xers, there’s a big difference between taking 10 mg of Adderall a day vs. 30 mg of Adderall a day. Underwriters at Life Insurance companies are aware of this. A higher dosage in ADHD stimulant-based medication will have a more profound impact on your heart. This is especially true for Gen Xers, like me, who are getting older.
  • Length of Time taking the ADHD Medications–Have you been taking the medication for 1 year or 10 years? This is certainly a factor a life insurance underwriter will consider when evaluating a Gen Xer’s life insurance application.
  • Overall Management of ADD or ADHD conditions–How well do you manage your life and your condition since you were diagnosed? Do you keep a steady job or do you flit around? Stability in employment is a consideration for life insurance underwriters when looking at a Gen Xer’s life insurance application.

I hope this has been a helpful, overview article for Gen Xers like me (people in their mid to late 30’s, 40’s, and early 50’s born between 1965 and 1984) on what ADHD/ADD is, its symptoms, and how both attention deficit and attention deficit hyperactivity disorder effect life insurance rates.

If you are a Gen Xer like me and need quotes for term life insurance, Life Insurance Quoter is Here. Just enter how much term life insurance you need, your height, your weight, etc., and you can generate your own term life insurance quotes from around 20 different A-rated life insurance companies. The process should take you all of 5 minutes. Or, if you prefer, you can contact me at (615) 525-6165, email me at Robert@weigelinsurance.com, or through Linkedin.com to discuss your life insurance needs with me directly.

 

Until next time and until next life insurance article,

 

Robert Weigel

Term Life Insurance Agent for Generation X

www.weigelinsurance.com

Robert@weigelinsurance.com

(615) 525-6165