Many people ask, can mental disorder person apply insurance? I think it depends on what kind of policy they are seeking. In my country I can’t buy life policy because I have mental problem. The person at the policy company said me that I realize higher percent high hazard of committing suicide than normally people. Never mind that zero life policy policy earnings out when a person commits self-destruction. My cousin is bipolar and she has life policy. She said me that she has zero programs on committing suicide. I don’t either but, statistically, I’m in a high danger category. Health and disability insurance, mortgage insurance or any kind of insurance that needs a personal can turn a reason for an insurance company to resist coverage. All insurance, whether it be mortgage insurance, car insurance or life insurance, is based on statistics. I may not agree with it but I do understand it. I do have a small life policy policy that was transferred to me through my company’s group policy when I quit.