Getting life insurance with epilepsy is possible, and we will show you how to get approved.
Several high-risk life insurance companies are available to help you.
Epilepsy is a brain disorder characterized by recurrent and unprovoked seizures.
It’s a common neurological disorder, affecting more than 3 million people in the U.S.
The cause for most epilepsy patients is unknown (idiopathic), typically diagnosed after having at least two seizures.
The time since your last seizure, type and severity of attacks, and medications you take will determine your rate.
Time since last seizure general guidelines:
Some companies may offer better (or worse) than the above.
Find out just how affordable life insurance can be.
There is never any pressure or obligation with RiskQuoter’s service.
There are several types of epilepsy, including:
It is essential to know the type of seizure that you have so that you can get the best life insurance rate for your specific condition.
The best life insurance policy for people with epilepsy depends on their circumstances.
Still, some general guidelines can be helpful for anyone.
If your last seizure was less than two years ago, you might end up with a standard rate plus an additional expense called a table rating.
A table rating could add anywhere from 50-100% to the standard rate.
Standard life insurance rates might be available if your last seizure was more than two years ago.
If it’s been five years or longer since your last seizure, a “preferred” or possibly “preferred best” rate may be possible.
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 of any EEG (electroencephalography), MRI, or CT scans.
Underwriters need to know the following:
You can get life insurance after a seizure.
Still, most companies will make you wait 3-6 months after your last episode before offering you life insurance.
Here are some quick life insurance underwriting tips to help you get your best rate:
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.
Getting declined is probable if you apply to the wrong life insurance company.
But, remember that only a few life insurance companies specialize in epilepsy underwriting.
If you used the wrong life insurer, you probably never had a chance to get approved.
That’s where we can help you. We know the companies to work with and which ones to avoid.
There is never any obligation or pressure with our service.
Please take a few minutes to complete your quote request today.
We take our responsibility seriously and will do whatever we can to make sure you end up with the best life insurance company based on your unique life insurance needs and situation.