Wednesday, June 22, 2022

Can You Get Life Insurance If You Have Epilepsy

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Alternatives To Getting An Underwritten Policy

Can I Still Be Insured if I’ve Had a Stroke? Aneurysm? Seizure?

At this point you may be thinking about your own case and worrying that an underwritten policy may not be right for you. Maybe youve had a few years that made it difficult to follow your treatment plan, or maybe your seizures are frequent and unpredictable. That doesnt mean that you have to give up the search for the right life insurance plan. Here are a few options that you can explore:

  • Life Insurance Without an Exam: With this type of policy, youll be asked to disclose your medical history but you wont be required to take an exam. This is a good option for anyone who hasnt had a seizure in a significant amount of time, about ten years or so, and are otherwise in good health. That said, sometimes these plans can be a bit pricier, although there are more competitive options available all the time.
  • Guaranteed Issue Policy: This is really a last result for people who have been rejected from other plans. Unfortunately, you may only be eligible for coverage of anywhere between $5,000 and $30,000 which is about enough to cover funeral expenses. If youve been denied coverage, its important to look into these kinds of plans quickly, as some will only offer partial coverage until multiple years into the plan.

Research Is Helping Improve Patient Quality Of Life

Living with the expectation that a seizure could come about at any time is difficult. In addition, many patients with epilepsy suffer from memory loss.

Dartmouth Colleges Preventions Research Center has recently developed a home-based self-training and cognitive therapy program. The HOBSCOTCH program paired memory loss coaches with epilepsy patients.

Patients who participated in the program received the benefit of better memory retention and reported additional benefits of more energy and focus improvements.

Aside from the HOBSCOTCH program, medical innovators are using techniques such as virtual visits to help patients who would otherwise not be able to regularly communicate issues.

However, managing your symptoms begins with you. Understanding your triggers, dietetic needs, and focusing on mental and physical health can make a huge difference.

Advances in research across technology, diet, medicine, and surgery are all making great strides in helping epilepsy patients lead symptom-free lives. All that means a better quality of life, including increased chances of obtaining life insurance for epilepsy sufferers.

Your life insurance quotes are always free.

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Epilepsy & Travel Insurance

Are you going on holiday soon? It is always worth taking out travel insurance and it is a good idea to make sure that your insurer knows about your epilepsy. Speak to a specialist travel broker that can find the best travel insurance for epileptics, by visiting our travel page here.

This is a tricky one, it could be yes or no, depending on your circumstances. Insurers want to know what type of epilepsy that you have and how often you have seizures. They generally look at how many seizures you have over a year time period, and whilst they want to know when your last one was, they understand that the seizures are a part of your health and will happen. They will ask how regularly you have seizures and if they are happening quite frequently, the insurer may decide to increase your premiums. It is possible in cases where the symptoms of epilepsy are severe, that some insurers will decline or refuse life insurance. But, dont worry, there are insurers who will be able to offer you the cover.

This page was written by Dr Kathryn Knowles Phd, an award-winning insurance adviser. To read more about Kathryn please see her bio here

Client Reviews

The materials in this website are in no way intended to offer medical advice. Please consult your doctor if you notice medical symptoms or feel ill.

The Financial Conduct Authority does not regulate trusts.

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Do I Need To Tell Life Insurance About Epilepsy

Yes if youve been diagnosed with epilepsy then youll be asked questions specifically about this condition. You must make sure that you answer these questions as truthfully and honestly as you can to avoid problems when you claim.

If you fail to disclose information about your medical history then it could result in a claim being refused or significantly reduced by your insurer. This is commonly called non-disclosure and if you do this then you might find that life insurance may be invalid.

Term Costs Less Than Permanent

Can You Get Life Insurance If You Have A Terminal Illness?

Its no secret. Term is cheaper. It can be less than a tenth of what a permanent policy costs. Most Americans will still buy a permanent life insurance policy anyway.

To see which type of policy is right for you, look at your reasons for life insurance. Term insurance is excellent for covering working years, paying off a mortgage, or making sure the kids grow up financially stable.

Permanent life insurance makes more sense for estate planning or leaving money to loved ones. You can even get term policies with conversion options. These last for 10, 20, or 30 years, then you can turn it into a permanent policy. Although you will have to pay premiums at a new rate once you convert. The great part is that you keep your health class.

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How The Life Insurance Companies Look At Seizures And Epilepsy

You are probably aware that most people with epilepsy live a full lifespan.

So why do life insurance companies care then?

They go by the numbers, the data, the cold facts. We did say most people, so lets explore why the insurance companies care about seizures

Studies have shown that life expectancy can be reduced by up to 2 years for people with a diagnosis of idiopathic/cryptogenic epilepsy.

The reduction in life expectancy can be as high as 10 years for those diagnosed with symptomatic epilepsy.

Factors that lead to the risk of an early death

  • Accidents that may occur during a seizure
  • Epilepsy can be a result of an underlying medical condition such as a stroke or a tumor.
  • A small percentage may die from Sudden Unexpected Death

Cheer up! Once you learn what the life insurance companies are looking for and how to properly submit an application, you will be prepared. You can get the best term life insurance coverage available at the most affordable rates possible for your situation.

Has Coronavirus Changed Life Insurance Rates For Epilepsy

The impacts of COVID-19 are similar for most medical conditions because most insurers have placed similar restrictions. Someone with mild epilepsy looking for life insurance would generally see no change to their application journey. It is only towards the more severe end of the scale where there are changes generally.

There are potential links to additional risks connected to epilepsy medication with extra mortality from Coronavirus. Most people with symptoms of COVID-19 would be postponed for 30 days after symptoms have gone. If you had been exposed to certain circumstances where there is a potential risk of contracting the virus then there could be limitations in cover.

Some Coronavirus questions include:

  • Have you tested positive for coronavirus?
  • Have you been told to self-isolate?
  • Are you experiencing symptoms such as cough, temperature, or loss of taste/smell?
  • Do you know anyone with Coronavirus that youve been in contact with?

While this situation has been an unprecedented period in history, theres nothing to suggest that something like this might happen again.

There have been certain limitations that came into force during the pandemic which caused restrictions for some people. The limits only tended to be towards the severe end of the spectrum where people had complications or control issues. Some of those limits put in place include:

  • The maximum amount of cover available
  • Restrictions to underwriting levels
  • Some medical evidence requirements restricted

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Is Epilepsy A Pre

Yes, if you have epilepsy while applying for life insurance this will be considered a pre-existing medical condition.

This means youll need to disclose your condition during the application process.

Failure to do so is known as non-disclosure and it can prevent a pay out from being made later down the line.

What if I have other pre-exiting conditions?

If you have other pre-existing conditions, alongside epilepsy, your application may require manual underwriting .

Strokes, TIA/CVA and tumours are very common amongst those who suffer from epilepsy.

As a result, experiencing any of these could affect your ability to obtain cover on standard terms.

Rest assured it can still be possible to secure cover, although this may be with the help of specialist insurers.

Read our comprehensive article for more information »

Can I Get Life Insurance If I Have Previously Been Declined For Epilepsy

Final Expense Life Insurance Agents Carriers for People Who Have Seizures

Yes, it is possible that you can still get life insurance if you have previously been declined due to your epilepsy. Every insurance company has different underwriting criteria and so just because you have been declined by one insurance company, it does not mean to say that every other insurance company will do the same. You should speak to an independent life insurance specialist such as LifeSearch, a company that specialises in obtaining life insurance for those who have epilepsy. We explain more about LifeSearch* later in this article and how you can qualify for up to £100 cashback when you buy a policy from them.

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Denied Life Insurance Due To Epilepsy

You can be denied life insurance if you have epilepsy.

Keep in mind that only a few life insurance companies specialize in epilepsy underwriting.

If you end up with the wrong life insurer, you may get declined due to epilepsy.

We have the best life insurance companies for epilepsy and will share all that information with you.

There is never any obligation or pressure with our service.

Please take a few minutes to complete your quote request today.

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 seizure?
  • 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?

If you have other health histories such as,

A history of stroke, depression, or multiple sclerosis, underwriting will be based on the severity of each condition.

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What Kinds Of Things Will Insurance Companies Want To Know About My Condition

Before applying for life insurance, its always a good idea for preparation for the process. After all, those that are more thorough and honest in their answers are more likely to be accepted by life insurance companies. Below, well list some of the possible questions that life insurance companies may ask you about your medical condition:

  • Have you received any forms of treatment for your condition?
  • When did you experience your last seizure?
  • How frequent are your seizures, approximately?
  • How long have your seizures lasted?
  • What category of seizures do you suffer from?
  • When, exactly, were you diagnosed?
  • Is your condition mild, moderate, or severe?

Although having epilepsy or any kind of seizure disorder may cause you to be considered a high risk applicant by most insurance companies, it is still possible to find affordable health insurance.

Life Insurance For Children With Epilepsy

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There are nearly 500,000 children in the U.S. diagnosed with epilepsy. Seeing your child having a seizure could very well be one of the most terrifying moments in a parents life.

Fortunately, there are many medications that can control seizures and stop them from recurring. In addition, many children may even outgrow it and not need any treatment for the rest of their life.

With this in mind, we are here to tell you that securing life insurance for children with epilepsy is possible and affordable. In this post we will go over what are your options, the pros, and cons in each one, and what will the companies look for. To skip over the topic you would like to view, just click on the title.

What we will cover

When researching life insurance for children with epilepsy, there are 2 options to consider

  • Getting an individual policy
  • Getting a rider on the parents policy
  • We will go over the pros and cons of both of the options. If you have any additional questions or would like us to review your child or grandchilds circumstances, please fill out the instant quote form or give us a call at 855-795 LIFE .

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    Which Is The Best Life Insurance Company If I Have Epilepsy

    There isnt one stand out insurance company that is best for every epilepsy sufferer, however, that does not mean to say that you should blindly apply to the first company that provides a quote or the cheapest insurance company on a comparison site. Choosing the right insurance company is important because every life insurance company has a team of underwriters and each team of underwriters work to a different set of guidelines. For example, AIG is an insurance company that should generally be avoided if you have epilepsy, as experience has shown that they tend to have quite strict underwriting criteria. On the other hand, I have seen examples where LV=, L& G, Aviva and Zurich have all provided excellent underwriting decisions for those who have epilepsy.

    Matching your specific condition with the insurance company that will offer the best and cheapest life insurance premiums comes with experience and it is something an independent life insurance specialist can do on your behalf. Having worked in the life insurance industry for over 20 years, I have seen many examples of people being offered life insurance where they had previously been declined or being offered a premium that is three times less than they had previously been quoted.

    The Underwriting Process For Epilepsy

    When submitting an application for life insurance, underwriters review the whole application. In addition, all of the documents that come along with it. Then they determine how much protection and at what price to give the potential client till they opt to refuse or postpone the application. For applicants with epilepsy, you can be categorized anywhere between Standard to table rated. The rating system typically means that out of the 12 different rating classes, epilepsy lies in the top 9. Tables 1-9 depending on which format the insurance provider uses.

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    What If I Am Diagnosed With Epilepsy During The Term Of My Policy

    Epilepsy can develop at any time of life, so if youre diagnosed with epilepsy during the term of your policy you may be wondering what to do.

    Being diagnosed with epilepsy during the term of your policy is unlikely to have an impact on your existing cover.

    As long as all the information you provided at the point of application was correct, your cover will still be valid as per its terms and conditions.

    You also arent obligated to inform your insurer of your new diagnosis.

    If you apply for any additional cover after your diagnosis, your epilepsy will need to be disclosed and exclusions may be written into your new policy.

    Getting life insurance with epilepsy

    – Top Tips 2022

    As discussed, arranging life insurance as an epilepsy sufferer will vary depending on the severity of your condition.

    However, in most cases arranging some form of cover is possible. Below youll find our top tips on securing life insurance with epilepsy:

    Does Epilepsy Affect Life Insurance

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    Yes, depending on the severity of your condition, declaring epilepsy can have an effect on your ability to secure cover.

    Sufferers from Petit Mal epilepsy who control their condition through medication and havent experienced a seizure in the past 5 years are likely to be able to arrange cover on standard terms.

    Those who suffer from Grand Mal epilepsy or those who experience Petit Mal attacks more than once a week are likely to be able to arrange cover but will likely experience higher premiums.

    For those whove recently been diagnosed with epilepsy, its usually required that stabilisation of your condition is achieved before cover is accepted.

    Sufferers of highly frequent or uncontrollable epilepsy, or those who have required hospitalisation/emergency treatment may find it more difficult to secure life cover.

    Youll be required to provide the following information during the application process so that insurers can gain a better understanding of your epilepsy:

    • Type of epilepsy
    • Severity of attacks

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    Private Insurance & Medication Switching

    The Epilepsy Foundation New England and the Epilepsy Foundation of America strongly believe that patient and physician consent should be obtained before an individual with epilepsy experiences a substitution in their epilepsy medication.

    The Foundation also supports insurers providing equitable access to epilepsy medications where a patient and/or their physician recommend against medication substitution. We support cost sharing and prescription drug copayments that do not penalize an individual who needs to maintain consistency with their epilepsy treatments.

    If you have private insurance coverage that offers a prescription drug benefit, there are a variety of ways to stay on your exact medication and it is important to understand what your plan requires.

    In addition, coverage does not necessarily mean that there will be no increase in cost if you are able to avoid a medication substitution you should ask your insurer what your cost is .

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