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Mental / Nervous

Modern U.S. life / SI / mortgage-protection underwriting knowledge — actuarial decision framing for software.

Knowledge priority 7/10 Not legacy dump tree

Actuarial software-knowledge disclaimer: These pages synthesize typical U.S. life / simplified-issue / final-expense / mortgage-protection underwriting logic used industry-wide (2024–2026 field guides, carrier appetites, reinsurance mortality framing). They are not any single carrier’s filed rates, not advice to applicants, and not the legacy 2022 database dump. Use them to design interview schemas and carrier-ruleset APIs.

Actuarial view

Mortality risk concentrates in severe mood disorders, psychosis, recent hospitalization, and suicide attempt—not routine SSRI-treated mild anxiety/depression. 2020s UW is more nuanced than binary declines.

Primary risk drivers

Diagnosis severity
Hospitalization dates
Suicide attempt date
Stability on meds
Substance co-use
Work/ADL function

Life (full / accelerated)

Map drivers → rate class / flat extra / postpone / decline. Labs & Rx history refine.

Mortgage / FE SI

Stable mild MH usually OK; recent crisis not for level SI.

Health insurance

Behavioral health is a top medical cost center—separate rules.

Recommended interview logic (software schema)

Anxiety, depression, bipolar, schizophrenia, PTSD, or other MH treatment?

Mild anxiety/depression, stable SSRI, working

Often Preferred/Standard NT

Bipolar / schizophrenia stable long-term

Some FE Level; others Graded

Psych hospitalization within 2–5 years

Postpone/decline many SI

Suicide attempt

Date-driven; recent = decline Level

Typical decision patterns

Profile	Traditional / Express-style	FE / Mortgage SI path
Mild treated anxiety/depression	PREFERRED/STANDARD	Mortgage SI OK
Recent attempt / hospitalization	POSTPONE/DECLINE	GI later

Software implementation note

Avoid over-declining mild depression; capture attempt_years_ago, hospital_years_ago.