How to Get Affordable Rates for Burial Insurance If You Have Epilepsy

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Getting affordable life insurance for epilepsy and seizures is difficult for some people; however, it should not always be if you reach out to the right agency.

We usually find that people with epilepsy do not have life insurance coverage or pay exaggerated premiums because they choose the wrong agency to work for, leading to the wrong insurers.

Whenever you request coverage for conditions such as epilepsy, you must offer yourself many options and many excellent life insurance companies.

We are a specialist in helping people search the best life insurance rates for people with epilepsy.

Here Are Two Fascinating Facts

  • Whether your health is good or bad, we can help you obtain insurance coverage. We can get a policy for anyone. Remember, we will work hard to find what works best for you.
  • Funeral insurance never needs to undergo any physical or medical examination. Also, you will not have to provide your doctor’s files. It’s just a health question. In some cases, there won’t be health questions.

Epilepsy is a life-changing condition that affects a lot of Americans. We’re delighted to be able to provide these people affordable funeral life insurance. Reach out to us, and we can also assist you.

Understanding Life Insurance for Epilepsy

As I mentioned earlier, your life insurance for epilepsy can be approved if you work with the correct agencies and select the appropriate company to offer insurance coverage.

What is expected of you to know is that if you are presently showing the symptoms of epilepsy, you know very well that you are approved for coverage at standard rates.

Typically, it means you fall into the third-best health and pricing class available from almost all life insurers.

Epilepsy is a Well-Known Health Problem

It is one of the five most typical neurological disorders that can affect people of any age group.

Life insurers have a good knowledge of this and understand that there are excellent treatments and medications. Also, they understand that it is still possible to lead a healthy life with epilepsy.

All you have to do is understand the process of underwriting and find the best company, and you are good to go.

Underwriting Life Insurance for People with Epilepsy

Because of the high percentage of deaths from accidents due to seizures, rather than the episodes themselves, underwriters put more focus on the frequency and severity of seizures than on the particular type of attacks diagnosed.

If you have managed to control epilepsy, you know that you will have an everyday life. Some people who have epilepsy have been rejected or have very high insurance premiums.

If you fall into this category, then you should read this article down to the end.

If you search for life insurance and have epilepsy or seizures, the important thing is to find a company that considers the case favorably.

Most of the agents don’t know the right thing to ask or which company to choose to be sincere. However, we do.

As agents, we offer life insurance for epilepsy or seizures at very reasonable rates, and we do this frequently.

You need an experienced agent to underwrite this risk and know at what price life insurers charge the highest rates for people with epilepsy.

The Health Questions

The first thing is the legal questions on health. They are always simple, requiring yes or no. Your responses to them will determine your options.

Several health questions come up when it comes to epilepsy. You will be required to pay special attention to problems related to the following topics:

  • Epilepsy itself
  • Home health care
  • Requiring assistance with daily living activities, e.g., dressing, eating, medication, bathing, taking medication, and toileting.
  • Wheelchair usage
  • Seizures
  • Neurological conditions

Epilepsy Medications

Besides the questions about your health, they will also review your medication history. Because medications are commonly used to treat epilepsy, funeral insurers know which ones to check.

Here is a list of widely labeled drugs for epilepsy. If you take them, most companies will treat you as an epilepsy patient, no matter what response you gave to your health questions.

Two things to remember.

Don’t worry if you don’t have epilepsy and are taking any of these medications. Many companies will not impose a penalty on you for this if you do not have epilepsy.

If we contact one of the companies that accept patients with epilepsy, none of these medications will be an issue.

  • Carbamazepine
  • Clonazepam
  • Diazepam
  • Eslicarbazepine
  • Ethosuximide
  • Felbamate
  • Lamotrigine
  • Levetiracetam
  • Lorazepam (Ativan)
  • Locasamide (VIMPAT)
  • Oxcarbazepine (Oxtellar XR, Trileptal)
  • Perampanel (Fycompa)
  • Phenobarbitol
  • Pregabalin (Lyrica)
  • Phenytoin (Dilantin)
  • Topiramate (Topamax)
  • Tiagabine (Gabitril)
  • Valproate (Depakene, Depakote)
  • Zonisamide (Zonegran)

There may be other medications for recurrent seizures that they have labeled; however, this summarizes most of them.

The Options You Should Expect

When you have epilepsy, insurers will provide one of the four responses listed below. Each funeral insurer has a different has special underwriting, so each responds individually.

Companies with No Response

There are life insurance companies available out there that are perfectly okay with epilepsy.

They will levy the same rate on an applicant who is in perfect health and has no condition whatsoever. However, we hope you have no other health problems that can prevent you from being eligible for these companies.

You Will Be Offered a Modified Plan

Typically, this type of plan has an entire waiting period of two years, and you will be charged 30 to 100% more premium.

To be sincere, you do not have a reason to go for a plan from a company that offers this as it would be much cheaper to get a guaranteed issue policy without any health concerns.

It will also have a waiting period of two years, but it will be much cheaper. You pay only 15-40% more, which is significantly less.

You Will be Offered a Graded Plan

They usually cost 15-50% more; however, they also offer some instant protection. They generally pay 30-40% of the benefit if you die with the first 12 months.

They will also pay 70-80% of the benefit if you die away within the second year of the insurance.

After two years, you will be completely protected for a lifetime.

You Will Be Rejected

Some insurance companies will indeed reject you if you have epilepsy. Some insurers are reluctant to take on this type of risk.

Other Options for You as an Applicant with Epilepsy

Now, for a moment, probably for a second, let us make an assumption that you have less control over your epilepsy or have recently been hospitalized or disabled.

You may have been denied life insurance and need to consider some other options.

In this case, you should discuss the use of products like guaranteed issue life insurance with your agent. With these products, you do not need to complete health questions, but several related conditions apply. However, companies like Sons of Norway and Gerber offer excellent products that can get the ball rolling and start protecting you and your family.

About Al Kushner
Al Kushner
He is a recognized financial educator, best-selling author, speaker, underwriting specialist and the founder & CEO of Superior Mutual, an independent insurance agency. He has helped families and individuals preserve, protect, and pass on a legacy since 1986. His mission is helping hard working seniors keep more of what they have worked a lifetime to save.
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