epilepsy life insurance

Epilepsy Life Insurance

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 Overview

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:

  • 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.

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Types of Epileptic Seizures

There are several types of epilepsy, including:

  • Focal Onset Seizures – Affect one side of the brain
    • Aware Seizures
    • Impaired Awareness
  • Generalized Seizures – Affect both sides of the brain
    • Absence
    • Myoclonic
    • Tonic-Clonic
  • Unknown Onset Seizures:
    • When seizures first start, they may be classified as unknown until more information becomes available.

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.

Underwriting by Type of Seizure

The best life insurance policy for people with epilepsy depends on their circumstances.

Still, some general guidelines can be helpful for anyone.

Absence Seizures and Focal Aware Seizures

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.

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 of any EEG (electroencephalography), MRI, or CT scans.

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 episode?
  • 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?
  • Are you a smoker or a nonsmoker?

Health histories, such as stroke, depression, or multiple sclerosis, will affect your rate.

Can I Get Life Insurance After a Seizure?

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.

Denied Life Insurance Due to Epilepsy?

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.

Michael Horbal - Author

Michael J. Horbal

Owner of RiskQuoter

Too many people overpay for life insurance because they end up with the wrong life insurance company, agent, or both. That’s why I started RiskQuoter – To help you get the best life insurance rates available.

As an independent insurance agent, I’m licensed in all 50 states and the District of Columbia and offer 40+ life insurance companies to ensure you get your best rate!

By Michael Horbal – updated on – 10/04/2022

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