Worried You Won’t Be Approved Because of Seizure Disorder or Epilepsy?

So often, when people have a pre-existing health condition such as epilepsy or a seizure disorder, they automatically assume that they will never be an eligible candidate for term life insurance. Coming to such a conclusion before even looking into it could mean you miss out on all of the benefits of owning a life insurance policy, unnecessarily.

The key to finding an insurance provider who will cover you despite your medical history is in seeking the help of a reputable insurance agent. Doing so will not only save you a great deal of time and frustration but also, potentially, money. While there are many health conditions for which it can be somewhat of a different process to find and get approved for a life insurance policy, we’ll focus on epilepsy and seizure disorder, here.

What do underwriters want to know:

So, what will an life insurance company want to know if you have epilepsy or seizure disorder? Because the best course of action is always to be honest about your medical history when applying for life insurance, the following are some of the things that the providers will want or need to know before they can approve you: Your life insurance rates will depend on these things…

  1. What date were you diagnosed and to what degree is your condition?
  2. Have you ever received any type of neurological evaluation for your epilepsy or seizure disorder, or have you received treatment in general?
  3. When was the date of your last seizure and what type of seizure do you have?
  4. Have you ever had a seizure that lasted longer than half an hour?
  5. On average, how many seizures do you have in the course of one year?

What type of seizures do you have?

Depending on the type of seizure you have, particularly if it’s Petite Mal or myoclonic, or you have not had a seizure in the last two years, you may be surprised to learn that several different insurance companies will cover you at a standard rate.

If you have a different type of seizure or you have had an episode more recently, this doesn’t mean that you will not be approved but that you may be given a standard table two or four. This will, therefore, mean that you will pay more for your insurance.

One way to get denied coverage.

One way to get denied for life insurance if you have epilepsy or seizure disorders is by going to a life insurance agent who does not know which life insurance companies give you the best chance at qualifying for coverage.  A local agent typically does not deal with these types of issues on a daily basis like we do.  So don’t make the mistake of trying your local State Farm agent or bank or you are sure to get denied.

Contacting one of our life insurance agents will not only streamline the process of finding and applying for life insurance if you have epilepsy or seizure disorder, but they may also be able to get you a better rate. This is what we do.