Qualifying for life insurance with Encephalitis.

When it comes to qualifying for a traditional term or whole life insurance policy after being diagnosed with encephalitis, what you’re generally going to find is that if you’re currently suffering from encephalitis, you’re not going to be eligible for traditional life insurance policy.

These individuals…

Will typically need to either wait until the condition has resolved or they’ll need to pursue an “alternative” life insurance product that will not require them to be able to “medically” qualify.


These alternative products will have some pretty significant limitations which is why we here at TermLife2Go, will always try to pursue a “traditional” life insurance option first so that we can be certain that this is your only option.

So… before we go any further…

Let’s just take a brief moment and take a look at why life insurance companies are nervous about insuring someone who has been diagnosed with encephalitis and discuss some of the factors that will come into play during your life insurance application process.

About Encephalitis.

Encephalitis is a relatively rare condition, affecting fewer than 200,000 people each and every year which is defined as an inflammation of the brain.  This inflammation is usually caused by some type of bacterial or viral infection, and can sometimes be linked to another underlying immune system disorder.

Common symptoms will include:

  • Fever,
  • Fatigue and loss of energy,
  • Headaches,
  • Mood disorders and/or personality changes,
  • Confusion and difficult concentrating,
  • Seizures,

Treatment options:

Because encephalitis is such a serious condition, hospitalization will generally be required so that your condition can be closely monitored as doctors attempt to combat the cause of your infection.  From there, you’ll typically find that either antibiotics or antiviral medications will typically be prescribed depending on the “type” of infection which is causing the encephalitis to occur.

Why insurance companies get nervous about applicants who have been diagnosed with encephalitis.

It’s not hard to imagine why a life insurance company might be a little nervous about insuring someone who has suffered from an infection of the brain!  After all, that’s a pretty serious condition.  But it’s important to understand that there’s more to it than that!

You see…

When we look at some of the potential risk factors associated with contracting encephalitis, some of the “risk” factors may also be a cause of concern for the insurance companies as well.

For example, let’s just take a look as some of the most common risk factors associated with contracting encephalitis and see how they may also play a factor in the outcome of your life insurance application.

Common risk factors associated with contracting encephalitis:

  • Being an older adult.
    • Age is one the single most important factor used in determining if you’ll be eligible for a life insurance policy and how much you will be required to pay.
  • Being exposed to mosquitoes or ticks.
    • Having an increase risk to infectious diseases will certainly play a role in what “price” you may be expected to pay for your insurance. Additionally, if it is determined that you intend to travel to certain locations which contain an elevated risk for exposure, it’s quite possible that you may be denied coverage simply based on your travel plans.
  • Having a weakened immune system.
    • Applicants who have been diagnosed with some type of compromised immune system disorder will certainly find it more difficult to qualify for a traditional term or whole life insurance policy.
  • Not current with your vaccinations for measles, mumps and rubella.
    • While immunization records are typically not asked about during a life insurance application process, if an applicant has recently contracted one of these infections, it will certainly play a role in the outcome of their life insurance application.
  • Traveling to destinations where encephalitis is common.
    • Most if not all traditional term or whole life insurance policies will ask applicants about their recent travel history and or future plans. These questions are designed to learn about any potential “risk” factors the insurance companies may wish to avoid.

So, as you can see…

Insurance companies are going to be concerned about the fact that you’ve been diagnosed with encephalitis and will typically want to see that you have fully recovered from your condition and been completely health for a least one year before possibly approving your life insurance application.  But that does not mean that they’re not also going to be concerned about a “host” of other factors that may have led up to you contracting encephalitis in the first place.

The good news is…

That in most cases, if you’ve been diagnosed with encephalitis in the past AND it’s been one full year since you’ve recovered, in “theory” you can potentially qualify for a traditional term or whole life insurance policy.  In fact, you may even be able to qualify for a Preferred or Preferred Plus rate!

The key is…

You’re going to want to be sure that you “shop” your life insurance application around a “bit” prior to actually submitting your life insurance application with any one company so that you can get a general feel about which life insurance company is going to give you the greatest opportunity for success.

And that’s exactly…

What we like to do here at TermLife2Go.  You see here at TermLife2Go, we’ve chosen to remain an independent life insurance brokerage that is able to work with dozens of different life insurance companies so that when we’re confronted with a more “challenging” application like someone who has been diagnosed with encephalitis, we should still have plenty of options for them to choose form!

Now how about those who have only recently been cured of their encephalitis?

For these clients, we’ll definitely want to take a look at some of the alternative life insurance products that are out there and if the situation makes sense, we may even recommend that they purchase one of these life insurance policies as a short term “fit” until they’re able to qualify for a traditional term or whole life insurance policy later on.


Don’t be, that’s what we’re her for!  So just give us a call today or visit our Life Insurance Quotes page and see what we can do for you!

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