Can I Get Life Insurance with Epilepsy [A Detailed Summary]

can I get life insurance with Epilepsy

If you have heard that you can’t obtain life insurance with epilepsy, whoever told you that is wrong.  We understand why you are concerned.  Obtaining high-risk life insurance can be scary, and many consumers don’t know exactly where to begin or what to do.  Luckily, that’s where we come in.

At Good Life Protection, we handle all forms of high-risk life insurance and life insurance with various types of pre-existing medical conditions.  Epilepsy happens to be one of those conditions where we are confident that we can gain you an approval.  Sure, some factors need to be considered, and you will need to go a bit in depth about the status, but overall, we can help.

However, we always recommend that if you are trying to save time that you should stick to comparing rates and quotes with all life insurance companies.

You can do this easily below using our instant life insurance quotes rate engine to compare rates with 50 of the top rated life insurance companies.

You can do this easily by using our rate engine directly below.

This article to help illustrate the process, details involved and what to expect when you are dealing with the task of obtaining life insurance with epilepsy.  Don’t worry; we will break down everything from A-Z for you to make it as crystal clear as possible.

Is It Possible to Obtain Life Insurance with Epilepsy?

The question pops up all the time from clients and consumers. Can I get life insurance with epilepsy? Here’s the answer.  Yes, you can obtain life insurance with epilepsy.  When applying for life insurance with epilepsy, several factors will be considered including dates of diagnosis, the frequency of seizures and what kind of seizures you are having. 

Why Are Life Insurance Companies Worried About Epilepsy?

The short and sweet answer, life insurance companies are worried about epilepsy primarily because you do have an increased chance of death.  It’s that simple. With life insurance, if you pay your monthly premiums, the life insurance company is on the hook for the full death benefit.  That’s about as black and white as it gets.

With that being said, it makes perfect sense why life insurance companies are careful about providing coverage to individuals with pre-existing medical conditions such as epilepsy.  While seizures alone are not necessarily the most dangerous medical condition one can have, they do certainly increase the mortality rate or “chance of death” for an individual.

The Risk Involved with Epilepsy

For starters, epilepsy is the fourth most common neurological disorder affecting people of all ages. Epilepsy by definition means someone who suffers from “seizure disorders.” In the eyes of the life insurance company, life insurance with seizure disorders and life insurance with epilepsy are the same.

Unfortunately, epilepsy is extremely unpredictable which can it make it more dangerous than the actual condition by itself. Epilepsy is considered a chronic disorder and causes an individual to have unprovoked seizures.  Sometimes it’s related to prior brain injury, and sometimes it’s the only just luck of the draw.

Epilepsy is diagnosed after having an (EEG) Electroencephalogram performed to measure brain function and brain activity.  Although most people have epilepsy usually live a full lifespan, doesn’t necessarily remove the risk from the life insurance company.

More About the Dangers of Epilepsy and Why Life Insurance Companies are Concerned

Other studies have shown that one lives span can be reduced by up to 2 years if they are diagnosed with idiopathic or cryptogenic epilepsy.  Others report that life spans can be reduced up to 10 years in some circumstances.  Especially if you are diagnosed with cryptogenic epilepsy. Other dangers such as motor vehicle accidents that can occur due to having a seizure while driving is top concerns.

Lastly, life insurance companies understand other dangers are also possible that could potentially result in death for an individual with epilepsy such as

  • Choking
  • Drowning
  • Falling

You see, it’s not necessarily the seizure itself causing the concern that life insurance companies are concerned about. The reason I bring this up is it’s well known how common epilepsy is and how it’s possible to control.  Many clients will state things such as “I have seizures frequently” and have never had an issue.

Moreover, you’re right. I do not disagree with that notion. However, having seizures frequently sparks the life insurance company to grow the concern on the “what ifs.”  If all seizures have been in controlled environments thus far, doesn’t mean they always be in the future.  The key is learning what exactly the life insurance company is going to ask and to be prepared.  This will ensure you have the best chance at approvals at the best possible life insurance rates.

So, What Will the Life Insurance Company Ask Me? How to Be Prepared?

Let’s cover some of the items you can expect the life insurance company to ask you and the best approach to effectively handle the questions. Here’s a quick overview of what’s coming soon during the process.  Your agent and the underwriter will want to know the following information.

Epilepsy Related Questions for The Life Insurance Company

  • Date of Initial Diagnosis- How Many Seizures Occurred? What Kind of Seizures?
  • When was the Most Recent Seizure
  • On Average, how Often do seizures occur?
  • Is there any direct cause or known Cause for the seizures?
  • Are the Seizures Considered Idiopathic?

Are the Seizures Furthermore Categorized By?

  • Grand Mal
  • Petit Mal
  • Tonic-Clonic
  • Partial
  • Temporal Lobe
  • Complex
  • Atonic
  • How Are the Seizures Categorized?
  • Partial?
  • Generalized?
  • Epilepticus
  • Average Duration of the Seizures?
  • Current Medications Being Taken? Keppra (Common)
  • What Symptoms Are a By-Product of the Seizures?

These are the beginning stage questions purely related to epilepsy only.  We already discussed that seizures could be dangerous strictly because of activities that you partake in as well.  The life insurance companies will want to know about any hazardous activities, occupations or hobbies you may take part in as well.  Also, the life insurance company will want to see the following

  • Your Current Height and Weight
  • Any Other Pre-Existing Medical Conditions
  • Any Other Medications? If So, What For?
  • Family History of Heart Problems, Cancer or Diabetes?
  • Any Tobacco Use?
  • Any Bankruptcies or Felonies on Your Criminal Record?

Following this, the questions should slow down some. Keep in mind that’s imperative to be as detailed and upfront with your agent as humanly possible. Most likely in all cases, with epilepsy the life insurance company will want to order what’s known as an “APS” or attending physician statement.  This is going to verify everything you have said and allow them to take a more in-depth look at the condition.

It’s important that’s clear and easy for the life insurance company to tie all the pieces of the puzzle together quickly and without a ton of unknowns. Unknowns make the life insurance company feel much more squirrely about approving your case. Trust me, with honesty; you will get much better and much faster approvals at rates much better than you would probably expect.

However, take the other route and leave out key details and the chances of a decline, slow and dragged out process become much more likely.

What’re the Chances of Approval- How Much Will Life Insurance with Epilepsy Cost Me?

Okay, so you have made it through the gauntlet of questions, and the company and the underwriters are now reviewing your application.  Now we need to look at your chances of approval, other possibilities that may occur and overall, how much it may cost you.

Terms to Understands When Applying for Life Insurance with Epilepsy

Substandard Rating– This means your price is elevated above the “standard” or “normal” flat line base price the life insurance company can offer for the coverage

Postponed Application- This means to put the brakes on. Wait a specified duration of time before applying for the coverage (common and doesn’t necessarily mean anything negative, means to wait)

Standard Rates- Your Baseline rates offered by life insurance companies.

Preferred Rates- Reduced Pricing for Very Healthy Individuals with no pre-existing medical conditions.

Seizure in the Past 6 Months

All right, into the possibilities.  First and most importantly, if you have had a seizure in the past six months, you are going to be told to postpone your application altogether.  This doesn’t mean you have declined; it just means that you need to wait.

Seizure in the Last 7 Months-2 Years

If you fall into the category, you still have a traditional term, universal and whole life options on the table. When and if you are approved and all other health conditions/ questions are favorable, you are looking at substandard rating at best. Usually, it will fall between a Table 3-6

Seizure More Than 2 Years Ago (Last Seizure)

If this is the case and you haven’t had issues in over two years, you can be approved again at substandard rates, but your best-case scenario is still most likely a table 2 rating.

Reasons you may be Declined with Epilepsy When Applying for Life Insurance

The following are reasons you may be declined for life insurance with seizure disorders or epilepsy.

Status Epilepticus- Decline

Metabolic Brain Disease- Decline

Outside of these two options, you still have an excellent chance at approval at sub-standard rates for your life insurance.

Other Options You Have with Epilepsy for Life Insurance After A Decline

This will depend much on your age, but you can always turn to Guaranteed Issue Life Insurance.  With guaranteed issue life insurance, there is no medical exam, there are no health questions, and you are guaranteed to be approved.  The downfall with taking advantage of this is the two-year waiting period that the company places on your “full death benefits.”

During this two years waiting period, you will be afforded your premiums back if something god forbid did happen in addition to 10% interest earned. In a nutshell, having a guaranteed issue life insurance policy is like having nice savings account for two years and after it’s like any other whole life insurance policy.

It would help if you Also were between the ages of 50-85 to qualify for most of these plans.

Accidental Life Insurance

Considering the nature of epilepsy and the chances that an accident ultimately becomes your cause of death, this may be the best option you could pick if you are not approved for traditional life insurance.  Accidental life is not going to cover you in the event of a death due to natural causes but will cover your death 100% in the event of death due to an accident.

These won’t have the same age restrictions as guaranteed issue life insurance. You can be anywhere between 18-65 with most companies and in some circumstances anywhere between the ages of 18-80.

The point is, don’t just ignore coverage because you were postponed or declined for traditional life insurance coverage. You still need something to cover your family and assets if tragedy does decide to strike at an unexpected time.

How Do You Begin Shopping for Life Insurance with Epilepsy?

This is easy, fill out the form to the right to begin seeing rates from over 50 top rated life insurance companies. Companies that you already know and trust.  Following that, an Agent from Good Life Protection who has experienced handling life insurance with epilepsy will reach out and discuss options for you.

Your agent will always find you the cheapest option with a company of your choice. Give the agent all the information necessary to give you an accurate reading on your rates and then after finding the perfect match begin the application process.  Once you have applied, you will need to complete the paramedical exam.

Don’t worry; it’s nothing to get nervous about. It’s merely a nurse coming to you (for free) to do a brief checkup and virtually repeat all the same questions you have already been asked.  Once this is complete, all you need to do is have patience and wait for the final rating.

What Happens After My Approval or During Underwriting for My Life Insurance

During the approval, declined or postponed phase of the application your agent will actively shop your case for you for free with all the other top-rated companies. You see, it’s our goal to get you the lowest every time, and we don’t give up after the first effort. We stick with you till the job is done or all options have been exhausted. After this, assuming we get you approved (because it’s what we do), you need to begin paying the monthly premiums for the life insurance, and your coverage will be active, and your family will be protected.

What Are You Waiting For? You CAN Get Life Insurance with Epilepsy, Don’t Stall Any Longer?

Don’t let epilepsy be a reason to shy away from life insurance. It’s 100% possible, and we are here to help. We don’t cost anything to have one of our seasoned agents work with you to find the company that fits your needs best.  Epilepsy can inevitably cause some rates a tad more expensive than standard rates, but overall, we believe you will be surprised.  Please fill out the quote form on the right to get started and let us get to work for you.

Related Questions

Is Epilepsy a Critical Illness in The Eyes of The Life Insurance Company?

This question comes up frequently, so we wanted to touch on this briefly. Here’s the answer. No, epilepsy would not be a medical condition that’s considered a critical illness for life insurance purposes. Policies containing critical illness would not provide accelerated benefits for epilepsy.