Life Insurance for People who have Epilepsy
Epilepsy or seizure disorder is a common condition that affects an estimated 3 million Americans, according to the Center for Disease Control. Trying to find life insurance for people with epilepsy or seizures may seem like it could be a challenge since some forms of epilepsy are considered high-risk conditions.
Because certain pre-existing neurological disorders like epilepsy can be controlled on medication, many life insurance companies will offer affordable rates.
Health Indicators that Determine Coverage
Here are some general health indicators can determine how your life insurance is priced. Bear these in mind before you contact an agent.
The date of your initial diagnosis
Your occupation and whether you drive a car
Your medical history and whether you exercise regularly and manage your mental and physical health
What type of epilepsy you have (e.g., grand mal epilepsy, tonic seizures, absence seizures)
The details of your medication(s) and overall treatment plan and whether you have been hospitalized
Other conditions or lifestyle factors that make seizures worse
Whether you are or have been a smoker
Life insurance might carry different costs depending on how severe your epilepsy is and how long ago your last seizure was. If you have infrequent, small seizures, for instance, you will probably be able to find a preferred rate.
Life Insurance for People with Seizures
Those with absent seizures (the most minor type of seizure) who have good or fair control over their condition will likely qualify for standard rates. But if you are having grand mal seizures (the most severe type of seizure) and you are finding the condition difficult or impossible to control, you may be declined by most companies but there is a strong possibility that we can still find a solution for you as we are experts in finding life insurance for those who have had difficulty buying life insurance.
Before seeking life insurance coverage for any neurological disorder, you should have a detailed understanding of the condition and be able to explain exactly what has happened with you and your seizures and how treatment is benefiting you.
Important Details to Include
Some examples of details you want to be clear on before you go looking for life insurance include:
The specific types and lengths of your seizures
How your seizures affect your motor functioning
What type of consciousness you have through your seizure
Whether your seizures are Idiopathic or Symptomatic
Other symptoms that come with your seizures
The date of your last seizure
The main thing that your insurance provider will be looking at is the extent to which epilepsy impacts your life and how high of a risk the condition is for you.
Options for Life Insurance for People with Epilepsy
You may be wondering whether or not you can get an underwritten policy, and if not, that’s okay, there are still other options. You may qualify for life insurance without an exam if, for instance, it has been a long time since you have had a seizure and everything appears to be under control. If we do not have options through normal underwriting procedures, we can also offer guarantee issue policies.
Whether or not you get life insurance will depend on a number of factors, so have all of the information you need from your doctor to present to the life insurance agency clearly and accurately. The right agency will have a clear understanding of which life insurance carriers will be most favorable to your condition.
If you or a loved one has epilepsy and you’re looking for information on insurance options, contact us today to find out how to get the most affordable plan.Get Your Quote