For those who are currently having a difficult time getting approved for life insurance, you may also want to read the following articles which focus on difficult to place insurance policies: 10 Great Final Expense Burial Insurance companies and 10 Best No Medical Exam Life Insurance Companies
Trileptal is one of the medications that is certainly going to “complicate” one’s life insurance application but when given some of the alternatives, it’s actually not going to be all that bad.
Trileptal (oxcarbazepine) is a prescription medication that is classified in a group of drugs called anticonvulsants or antiepileptic drugs that is used to decrease the never impulses that cause seizures. What makes Trileptal easier to work with from a life insurance point of view is that “for the most part” Trileptal is mainly used to just treat epilepsy unlike many other epileptic medications that can also be used to treat bipolar disorder.
Which means that…
From an underwriting point of view, we’ll only need to consider what effect having epilepsy will have on the outcome of your life insurance application. Now, it’s important to understand that not all life insurance companies are going to consider all epileptic and Trileptal users the same.
For example, if your Trileptal is simply being used to treat what would be considered by most a “mild” case of epilepsy, you may be eligible to receive a Preferred or better life insurance rate.
However, if you Trileptal is being used to treat a more severe case of epilepsy, choosing the right insurance company could make the difference between getting approved or simply being denied coverage all together.
So what’s going to be the deciding factor that determines what a “mild” epileptic case vs a “severe” epileptic case?
Mild epileptic cases are going to be cases where the client will generally only had one “small” seizure over 10 years ago, with the absence of any other seizures and is currently not taking any mediations epileptic medications. If this sounds like you then know that you could qualify for the best rate class, preferred plus or super preferred.
But what about those who have what would be considered “well managed” epilepsy?
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 epileptic sufferers qualify…
May still qualify for life insurance but at a below standard rate class. These applicants may also 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, depending on the severity of their condition.
Questions that the life insurance companies will likely ask to determine the severity of your epilepsy:
- How old were you when you suffered from your first seizure?
- How long have you been taking Trileptal to treat your seizures?
- Is Trileptal the only medication that you using to treat your epilepsy?
- Has your Trileptal prescription changed over the past 12 months?
- When did you suffer from your last seizure?
- Have you ever been hospitalized as a result of a seizure?
- Do you have any issues with your driver’s license?
- Are you currently working now?
- In the past 12 months have you applied for or received any form of disability benefits?
From here, the insurance companies will generally have a pretty good idea about the severity of your condition and also know if they’ll need to order medical records from your doctor prior to being able to move forward with underwriting your life insurance application.
We here at Termlife2Go…
Will also have a pretty good idea of what “type” of life insurance policy you may or may not be eligible for as well as “which” life insurance company may be the best fit for you.
Were here at TermLife2Go work as an independent life insurance brokerage that is able to work with dozens of different life insurance companies in an effort to find you the best possible life insurance policy that you can qualify for.
Ready to see…
What you may have to pay? Well if so, simply visit our page: Compare Medical Exam Required and No Medical Exam Life Insurance Quotes and then if it looks like we may have a good fit for you, just give us a call!
So what are you waiting for? Give us a call today and see what we can do for you!