Epilepsy Life Insurance The Truth 2022

If you have been recently diagnosed with epilepsy and told you cannot get life insurance, this is 100% false.

There are plenty of life insurance company’s that can approve you for coverage even with different types of epilepsy.

According to https://www.healthline.com/

About 3.4 million people nationwide have epilepsy.

There are life insurance companies that have questions about epilepsy on their application however not all of them do. Here at ParamountQuote, we get 90% of our clients with epilepsy approved for a standard rating life insurance policy to protect their loved ones in the event of their death to help with final expenses.

We have clients all the time that ask us:

“Can you get life insurance with epilepsy?”

Yes, you can but you need to find the right company that will give you the best rate and approves you for day one level coverage. This is where we as the experts come in.

In this article, we go over the most important information when it comes to getting life insurance for epilepsy.

How Does Epilepsy Affect Life Insurance?

Above all, epilepsy affects life insurance because of the carrier’s risk assessment on their life insurance application.

This is known as medical underwriting. This is when a life insurance company you are applying for looks at your medical history, age, and lifestyle choices. They will look at your medical conditions and the type of seizures you have ever had if you have had any.

This is why getting approved for products like term life insurance can be difficult. Term life will make you in most cases take a medical exam and look at over 5 years of medical history. This can make the approval process take weeks and there’s no guarantee. Term carriers can also double your life insurance rates depending on their approval process.

The key to getting life insurance with epilepsy especially day one level coverage is to apply for life insurance that has easy underwriting like Mutual of Omaha. This is known as burial insurance or final expense whole life insurance.

Furthermore, Epilepsy may not affect this type of life insurance at all depending on the carrier and their underwriting niches.

Epilepsy Life Insurance Underwriting

Whole life insurance policies that are a simplified issue also known as burial insurance are the best option for consumers with moderate health conditions like epilepsy.

Above all, the underwriting for these policies is easy in fact some life insurance carriers will not ask about seizures at all! If they do not ask about seizures this means they are accepting of this condition and the chances of you getting approved for day one coverage are much higher.

Medical Information Bureau Health Report

Every time you have ever seen a doctor, been to a hospital, been prescribed medication, this all goes into a database at the Medical Information Bureau (MIB) for short.

This is what a burial insurance company will look at when you are applying for coverage. Carriers are not particularly concerned with the types of seizures you have like:

  • Tonic-Clonic Seizures
  • Focal Seizures
  • Generalized Seizures
  • Atonic Seizures

Or another Epileptic Issue like:

  • Loss of consciousness
  • Petit Mal Seizures

If the carrier asks about seizures they would want to know the time frame of your last seizure occurrence typically within 2 years if the carrier even asks the question, to begin with.

Prescription Check

A whole life insurance carrier will want to know the types of medications you’re taking they perform a prescription check to make sure you are not on any serious medications for other medical conditions.

Furthermore, most epilepsy medications are accepted by life insurance companies.

Once the carrier runs both checks and you’re application is submitted you will receive an instant decision. That is how quick and easy it is to secure coverage.

Quick Tip: To see life insurance quote’s fill out the form to your right and you will be able to speak with one of our agents.

Life Insurance With Epilepsy Benefits

Above all, the benefits of affordable life insurance are important. If you get approved for level day one coverage then you have a guarantee that your policy will payout to your beneficiary quickly after receiving a certificate of death.

The benefits are as follows:

  • Face Amount of $1,000 – $40,000
  • Cash Value Builds in Your Policy Over Time
  • Locked in The Premium Rate that Will Never Increase
  • Tax-Free Death Benefit to Your Family

These policies can be used for anything from burial, cremation, paying off debts, or even just leaving extra cushion for your family when you pass away. How you use your benefits is entirely up to you.

Furthermore, Whole Life will last your entire life you cannot outlive the policy so it will always be there when your family needs it the most.

Life Insurance Rider Benefits

Policy riders are additional benefits either included or added to most policies you can apply for. They can be for accidental death or a simple partial payout of the death benefits while you are alive known as living benefits.

These riders include:

  • Accidental Death & Dismemberment
  • Accelerated Living Benefits
  • Critical Illness Rider
  • Grandchild Rider

AD&D Rider

This rider added to a policy is designed to payout double or in some cases triple the face amount of your policy if you were to pass away due to an accident. This rider can be added to some policies for free or a small premium increase for different carriers.

Accelerated Living Benefits/ Critical Illness Rider

If you are diagnosed with a critical illness you would be able to withdraw money from your policy’s face amount early typically up to 70%. This can be used for things like medical bills while you are in the hospital or paying for experimental treatments that health insurance may not cover.

Grandchild Rider

This rider allows you to insure your grandchildren under your policy as well. This is a great rider to cover your grandchildren under your policy until they reach 18 years of age. This can be added to some policies at no additional cost.

Depending on the carrier they can offer additional riders to maximize the benefits of your policy like the riders described can do. This is something one of our agents will go over with you at the time of your application.

Will Epilepsy Affect Life Insurance

In most cases no not if you select the right burial insurance company.

This is why it is crucial to work with our ParamountQuote agents for the right life insurance rates. This can make the difference between a standard rating or a preferred rating when you apply for life insurance.

Now term life insurance is much harder to qualify for with Epilepsy or seizures and we would never recommend term to anyone with the Epilepsy medical condition in their medical history. Getting a simplified issue whole life insurance policy with a life insurance company is the best thing for funeral expenses.

Our companies also do not look at the type of seizure you have.

Life Insurance Underwriting Epilepsy

Their underwriting is liberal so even if you have been diagnosed with epilepsy and have tonic clonic seizures or grand mal and petit mal it does not matter. When it comes to life insurance with epilepsy all the burial insurance companies really look at is medications as mentioned before they won’t even consider your seizure table rating.

They will not ask about the loss of consciousness or any issues related to the side of the brain. The types of epilepsy or their side effects will not stop you from getting affordable life insurance if you work with the right burial insurance company.

That is where we come in.

Fill out the form to your right to speak with our agents and see quotes.

ParamountQuote is your Answer

Yes, to the question can you get life insurance if you have epilepsy. When it comes to epilepsy and life insurance our agents are highly trained to find your day one coverage despite the severity of your seizures.

It does not matter if you have partial seizures or aware seizures all that matters is how the specific carrier looks at your condition. This is why when you fill out the form to your right one of our licensed agents will call you and go over all of this to find you the right plan.

  • We are national
  • We are independant
  • This is a brokerage will all of the top major carriers nationwide
  • We will find you the best rate and coverage guaranteed.

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