Life Insurance for Epilepsy and Seizure Disorders

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Securing affordable life insurance with epilepsy and seizure disorders can be a daunting task for some people, but it doesn't have to be if you contact the right agency.  We specialize in helping consumers find the best life insurance rates for those with epilepsy.

If you have controlled epilepsy, you know very well that you'll live a normal life span. There are many people with epilepsy who have been declined or are paying way too much for their life insurance. If this is you, please take 4 minutes to read the rest of this article.

If you're looking for life insurance and have epilepsy or seizure disorders, it’s all about finding the company that will look most favorably at YOUR individual situation. The truth is most agents don’t know what to ask or what company to go to.  We do.

At Rootfin.com, we've secured life insurance with epilepsy or seizure disorders at very affordable rates and do this regularly.  All it takes is an agent with experience underwriting this risk and the knowledge of what life insurance companies are giving the best life insurance rates for those with epilepsy.

This is what an agent needs to know in order to obtain the best rates:

EpilepsyRibbon

  1. What terms have been used to describe the seizures?
    (absence/petite mal, tonic-clonic/grand mal, myoclonic)
  2. What type of seizure has been diagnosed? (generalized seizures, sleep epilepsy, traumatic epilepsy, "single fit" etc.)
  3. What symptoms accompany the epileptic episodes? (unconsciousness, "clouded consciousness", uncontrolled twitching, deep sleep etc.)
  4. When were you first diagnosed?
  5. When was your last episode?
  6. How often do you have episodes?
  7. How severe are your episodes? (hospitalization?)
  8. What Medications do you take?
  9. Are there any underlying health issues?
  10. Do you drive a car? 
  11. Any hazardous activities or occupation?
     

If an agent doesn't ask you these questions, they're guessing what your rates will be. Proceed with caution.

What Underwriters are Looking For

Given the high percentage of deaths due to seizures are from ACCIDENTS and not from the seizures themselves, underwriters place more weight on the frequency and recentness of epileptic seizures, rather than the specific type of seizure diagnosed.

Life Insurance Rates With Epilepsy

We surveyed over 60 life insurance companies for our clients with epilepsy.  There is 1 company that is knocking the ball out of the park with great approvals for all types of epilepsy.  We consider this a trade secret, so we won't disclose that company's name to keep our competitive edge.

The table below illustrates how this carrier view's epilepsy.  The health class assumes the individual has reached age 16, follows the direction of their physician for the handling of their epilepsy and there are no serious medical causes for the condition.  It also assumes you refrain from behaviors and occupations that increase the likelihood of accidents.  This is for ALL types of epilepsy.

Life insurance rates with epilepsy

Studies have shown that people with infrequent seizures show no greater mortality risk than the general public. This well known life insurance company is responding to these studies by leading the way for epilepsy life insurance underwriting.  Hopefully more life insurance companies will follow suit.

Keep in mind that the best life insurance rates with epilepsy will be at a Standard health classification.  At this time, there are no companies offering preferred or better health classes. 

No Medical Exam Life Insurance Options for Epileptics

There's currently 1 company offering 1st day coverage for epileptics with no medical exam.  It's a whole life insurance policy (guaranteed level premiums for the rest of your life) with a maximum benefit of $25,000 of coverage and you must be over 50 years old to qualify. 

Keep in mind there are plenty of companies who offer you a graded death benefit plan that has a 2 year waiting period before you have the full death benefit and is very expensive.  The company we're offering has immediate coverage and is priced like you don't even have epilepsy.

If you're interested in quotes with this company, please call us or fill out the form on the right and we'll be in contact with you.

Bottom Line

If you’ve been declined and feel you have your epilepsy under control, then you probably used the wrong company. That’s not your fault, it’s your agents.

It’s important to not only have a knowledgeable independent life insurance agent at the time of your application to obtain the best rate, but to have one that follows up with annual reviews. As years go by without an episode, we may be able to lower your rate assuming your health hasn’t changed.

About Jeff Root

is the owner of rootfin.com. He's an independent life insurance agent who has helped 1,000's of consumers purchase life insurance online and over the phone.

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2 Comments

Tammy Pennell

my husband has epilepsy and i need to find a company that will give him life insurance, and i need some information.

Thank you
Tammy

January 16, 2015 at 1:03 pm
    Jeff Root

    Hi Tammy,

    Please don’t hesitate to call us during business hours and we’ll help you secure affordable rates. We help people find affordable life insurance with epilepsy regularly.

    January 16, 2015 at 10:46 pm
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