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Qualifying for Life Insurance with Epilepsy and Seizures

Researcher & Writer
September 17, 2013

If you have been diagnosed with epilepsy and you are shopping for life insurance then you need to read this. There are three important questions you need to ask before applying for high risk life insurance with epilepsy which are:

  • Can I get life insurance with epilepsy?
  • What will a life insurance policy cost for someone with epilepsy?
  • What is the process of applying for life insurance when you’ve been diagnosed with epilepsy?
Let’s begin with a brief overview

Epilepsy is a brain disorder characterized by a history of seizures. A seizure occurs when the electrical system of the brain does not function correctly. The result is usually convulsions where the person’s body shakes uncontrollably.

Not everyone who has a seizure has epilepsy.

Can I get life insurance with epilepsy

The quick answer is, YES.

Ultimately, approval will depend on:

  • when you were first diagnosed with epilepsy,
  • what types of seizure (tonic-clonic seizures, i.e. grand mal, absence seizures, i.e. petit mal) do you suffer,
  • when your last epileptic seizure,
  • how often you have epileptic seizures,
  • any hospitalization due to epilepsy and,
  • the medications are you currently taking.

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What is the cost?

This is a tough question to answer since life insurance companies have about 16 different rate classes. What rate class you qualify for will ultimately determine your life insurance cost.

The best case scenario would be for a client who had one small seizure over 10 years ago with no other history of seizures and who takes no medications. If this sounds like you then know that you could qualify for the best rate class, preferred plus or super preferred.

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 come back at a standard rate class.

The more serious sufferers qualify at a below standard rate class or may need to consider a burial life insurance policy where there is no medical exam and no health questions. Consider coverage from one of the top burial and final expense insurance companies.

If you are curious what your price tag would be for life insurance with epilepsy, simply give us a call for a free consultation. 

What is the process?

A guaranteed issue policy is quick and easy. It is guaranteed issue so everyone within the required age bracket will qualify for this coverage. Typically, the amount you can qualify for will be from $5,000-$30,000 depending on the carrier. Most burial insurance or final expense insurance policies come with a graded death benefit limitation which provides that the full death benefit will only be paid after the policy has been in force for two or more years.

You may want to consider life insurance without an exam if you have not had an episode in over ten years. Otherwise, a fully underwritten policy might be your best option.

A fully underwritten life insurance policy requires a life insurance medical exam (we recommend you take your exam as soon as possible in the morning to get the best blood pressure readings). The examiner typically comes to your home and checks your height and weight and takes a small blood and urine sample. Your lab results are then processed. The carrier will request physician statements and look into your medical records. The carrier will also do a prescription database check to see what medications you are currently taking and have taken in the past. An underwriter will then assess your “risk” level and give you a rate class assigned to your specific risk. Your assigned agent at TermLife2Go will then follow up with you and let you know of your approval.

The entire process is handled by us so you can just sit back and wait for the life insurance carrier to complete your file. Speaking of life insurance carriers, not all life insurance carriers are the same when it comes to underwriting epilepsy!

Not all life insurance carriers are the same.

The life insurance industry is just like every other industry out there.  Competition is constantly driving insurance carriers to compete for your business.  As a result, carriers take on “niches” in an effort to earn market share. It is important to know these niches and it is important the agency you chose has the freedom to choose from multiple life insurance carriers. As a consumer, it is in your best interest to work with an agency that is not bound to any one carrier and will be able to shop your application to dozens of different companies available.  We want to make sure we place you with the most epilepsy and/or seizure friendly life insurance company. Only by doing this can you insure that you are getting the best type of life insurance policy tailored to your specific needs.

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