Please also check out our articles focusing on the Best Companies in the U.S. an the Best No Medical Exam Companies and Burial Insurance – Why Final Expense Might be the Best Choice.
Keppra is one of those medications where, because it is an anti-epileptic medication, a lot of “new or inexperienced” agents will often times immediately think the worst and just begin recommending “alternative” life insurance policies that won’t necessarily focus on the health of their client.
This approach is truly unfortunate…
Because while it certainly more difficult for an epileptic applicant to get insured, simply taking Keppra or having been diagnosed with epilepsy doesn’t necessarily disqualify you from being able to qualify for life insurance.
In fact, well controlled epileptics are still eligible for the best possible life insurance rate possible, a Preferred Plus!
The process of getting insured isn’t necessarily going to be more difficult for the client, it’s just going to require your life insurance agent to do more work prior to submitting your life insurance application (And isn’t that supposed to be their job in the first place?)
What your agent should be asking:
Epilepsy by itself is not going to be considered a “disqualifying” medical condition. What will potentially disqualify an epileptic client will be the severity of their condition. For this reason, it’s important to ask a series of questions designed to learn more about your condition. Questions such as:
- How old were you when you first suffered from a seizure?
- How long have you been taking Keppra to treat your seizures?
- Are you using any other prescription medications in addition to your keppra?
- In the past 12 months have you used any type of marijuana products?
- When was your last seizure?
- How many seizures have you had in the past 12 months?
- Have you ever been hospitalized for your seizures?
- Do you have a driver’s license?
- Do you have any issues on your driver’s license? Such as suspended license, multiple moving violations or DUI?
From there, we’ll generally have a pretty good idea about the severity of your condition as well as which life insurance products you’ll most likely qualify for. Additionally, we’ll also have a pretty good idea about whether or not an insurance company will likely want to order medical records from your primary care physician before making a final decision.
Very mild epileptic clients would typically be defined as a someone who has had only one small seizure over 10 years ago, with no other history of seizures and who takes only one or zero 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.
The real trick that we’ve found is…
That at the end of the day, when you’re looking to find the best possible life insurance policy for someone who is using Keppra to treat their epilepsy is that you’re definitely going to want to have a bunch of options to choose from. This is why we here at TermLife2Go have chosen to remain an independent life insurance brokerage that is able to work with dozens of highly rated life insurance companies. So that when it comes time to place those more “difficult” cases, we’re going to have an option for you!
So what are you waiting for? Give us a call today and see what we can do for you!
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