As part of our Brain and Nervous System Underwriting Group, epilepsy is a central nervous system disorder that we understand from underwriting point of view, and know how to help you secure your best life insurance rate.
Epilepsy Life Insurance Overview
Epilepsy is a central nervous system disorder where nerve cells in your brain become disrupted, causing seizures. Most of the time, the cause of epilepsy is unknown and is typically diagnosed after you have had at least 2 seizures.
At LifeInsuranceAdvisors, our high risk life insurance knowledge and expertise will help you find your best rate based on your epilepsy history.
Epilepsy Underwriting Specifics
Life insurance underwriters need to know the following about you in order to underwrite you:
- When were you first diagnosed with epilepsy?
- What type of seizure did you have?
- How often do you have episodes?
- When was your last episode?
- Have you been hospitalized for your epilepsy?
- Do you take any medications?
- Do you have any other health issues?
Types of Epileptic Seizures
- Absence Seizure – Also known as a Petit Mal Seizure
- Simple Partial Seizure – Also Known as Myoclonic Seizure
- Complex Partial Seizure
- Tonic-Clonic Seizure – Also known as a Grand Mal seizure.
The type of epileptic seizure you had and the amount of time that has passed since your last seizure are determining factors in your ability to get life insurance.
Can I get life insurance after a seizure?
Life insurance underwriters will postpone you for a period of time from your last seizure. Typically, that may be 4-6 months since your last seizure, but will vary depending on your individual history.
Epilepsy Underwriting Based on The Type of Seizure
Absence Seizures and Simple Partial Seizures
If your last seizure was at least 2 years ago, it may be possible to obtain standard life insurance rates. If your last seizure occurred less than 2 years ago, you may end up with a standard rate plus an additional expense called a table rating. The table rating may add 50-100% to the standard rate.
Complex Partial and Tonic-Clonic Seizures
If you had a Complex Partial Seizure or a Tonic-Clonic Seizure, the life insurance rates you pay will depend on how well your epilepsy controlled as well as time since your last episode.
Generally speaking, if you last Epileptic episode was 5 years or more, life insurance companies may offer you their standard life insurance rates.
If it has been less than 5 years since your last episode, most life insurance companies will table rate your life insurance. The more time that has passed since your last episode, the less expensive your table rating will be.
At Risk Quoter there is never any pressure or obligation with our life insurance service. We’ll give you the information you need to make an informed decision about your life insurance.[wpforms id=”1566″]