When it comes time to finding coverage for folk who are currently taking Dilantin to control their seizures, its ultimately going to come down to how much coverage do you need, and how severe are your seizures?
“I’m just looking to cover the cost of a burial”
If you’re just looking for $25,000 dollar in coverage, chances are, we can just avoid any medical questions and simply apply for what is called a guaranteed issue life insurance policy and get you approved today!
Most people aren’t looking to just buy $25,000 dollars in life insurance coverage. Most people are looking for a larger policy that will do more than just cover one’s burial costs and final expenses. Most folks are looking to buy life insurance so that they can:
- Protect a spouse or child.
- Cover the cost of a mortgage.
- Protect the earnings of a primary “bread” earner.
- Ensure that their children’s college tuition would be covered.
- Etc, etc…
Which is why…
A more thorough investigation on when you were first prescribed Dilantin and the severity of the seizures its being used to treat will first need to be considered prior to being able to make any determinations regarding the outcome of your life insurance application.
Common questions that will be asked of someone taking Dilantin:
- At what age were you first diagnosed with epilepsy?
- How long have you been treating your epilepsy?
- What types of seizures (tonic-clonic, grand mal, abasence seizures, peti mal) do you suffer from?
- When was your last epileptic seizure?
- How often do you suffer from a seizure?
- Have you ever been hospitalized due to your seizures?
- In the past 12 months have you used any marijuana products?
- Are you currently working now?
- And in the past 12 months have you applied for or received any form of disability benefits?
From there, we should have a better idea about the severity of your condition and begin to able to make predictions about what you will be able to qualify for.
We’ve found that the best cases seem to have just one small seizure over 10 years ago, with no other history of seizures and isn’t currently taking any medications. These particular clients can often times qualify for a “preferred” or “preferred plus” rate.
Most well controlled clients who have a history of absence seizures, (i.e. petit mal), and who have not had a seizure in the last two years, will often times earn a “Standard” or normal rate.
There is still hope for our more serious epileptic cases, in that for many, a guaranteed issue life insurance policy option may still be an option to at least consider.
The main takeaway though…
Should be that once you’ve been prescribed Dilantin, it’s safe to assume that at least “initially” your life insurance application is going to be viewed as a “high risk” application. Which means that you’re definitely going to want to choose a life insurance brokerage like TermLife2Go who not only has the skill and expertise to help you find what you’re looking for, they’re also going to have dozens of different life insurance companies to choose from so if your fist option doesn’t work out, we’ll simply be able to “Shop” your application to the next great insurance company!
So what are you waiting for? Give us a call today and see what we can do for you!
Lastly, for those who don’t really want to speak with an agent before they have a chance to look at a few quotes, we would encourage you to check out our Term Life Insurance Quotes page when you have a chance since it will provide you with dozens of quotes instantly!