Getting life insurance with epilepsy is possible and we show you how to get approved.
A number of high-risk life insurance companies are available to help you.
Underwriting is based on the time since your last seizure, type(s) and severity of seizures, and medications you take.
Epilepsy is a neurological disorder where nerve cells in your brain become disrupted, causing seizures.
More than 3 million people in the U.S have epilepsy.
The cause for most epilepsy patients is unknown (idiopathic), typically being diagnosed after having at least 2 seizures.
Time since last seizure general guidelines:
- 0-3 months = Postpone by most companies
- 3-6 months = 100-150% rating added to standard rate
- 7-24 months = 50-100% rating added to standard rate
- 25-60 months = Standard rate, possible 50% rating.
- 60+ Months = Some may qualify for preferred rates.
Some companies may offer better (or worse) than the above.
Types of Epileptic Seizures
- Focal Onset Seizures – Affect one side of the brain
- Aware Seizures
- Impaired Awareness
- Generalized Seizures – Affect both sides of the brain
- Unknown Onset Seizures:
- When seizures first start, they may be classified as unknown until more information becomes available.
Underwriting by Type of Seizure
The best life insurance for epileptics will vary depending on the exact medical history.
Absence Seizures and Focal Aware Seizures
If your last seizure was at least 2 years ago, it may be possible to obtain standard life insurance rates.
If less than 2 years ago, you may end up with a standard rate plus an additional expense called a table rating.
The table rating may add 50-100% to the standard rate.
If it’s been 5 years or longer since your last seizure, a “preferred” or possibly “preferred best” rate may be possible.
Focal Impaired Awareness and Tonic-Clonic Seizures
If you had a Focal Impaired Awareness Seizure or a Tonic-Clonic Seizure,
Life insurance companies may offer you their standard life insurance rates and in some cases a standard plus rating.
Underwriters will review your medical history,
Including the results from any EEG (electroencephalography), MRI, or CT scans that you have available.
Epilepsy Life Insurance Questions
Underwriters need to know the following:
- When were you first diagnosed with epilepsy?
- What type of seizures have you had?
- How often do you have seizures?
- When was your last seizure?
- Have you been hospitalized for epilepsy?
- Do you have any history of status epilepticus?
- Have you had any mental deterioration or personality changes from epilepsy?
- When was your last EEG, MRI, or CT scan completed?
- What were the results of the test?
- What medications and dosages do you take?
- Do you have any other health issues?
If you have other health histories such as,
Can I Get Insured After a Seizure?
Yes, but most companies postpone coverage for 3-6 months after your last seizure.
Some quick underwriting tips to help you:
Epilepsy Tip # 1
Don’t run out and apply for life insurance if you were just diagnosed with epilepsy.
The reason why is that most insurance companies postpone life insurance for 3-6 months after diagnosis.
Epilepsy Tip # 2
Life insurance rates tend to improve as more time passes since your last seizure.
Life insurers may add a table rating expense of 50-150% to your rate depending on the time since your last seizure.
Denied Life Insurance Due to Epilepsy?
You can be denied life insurance if you have epilepsy.
Keep in mind that only a few life insurance companies specialize in epilepsy underwriting.
If you end up with the wrong life insurer, you may get declined due to epilepsy.
We have the best life insurance companies for epilepsy and will share all that information with you.
There is never any obligation or pressure with our service.
Please take a few minutes to complete your quote request today.
Michael Horbal is the founder and owner of RiskQuoter.com and a licensed life insurance agent who has helped thousands with affordable protection for families and businesses.