I bet you thought you couldn’t get life insurance. Well, it isn’t exactly easy, but there are options if you’re willing to go through hoops of fire.
Epilepsy Underwriting Specifics:
Life insurance underwriters need to know the following about you in order to provide you with accurate life insurance quotes:
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?
What Type of Epileptic Seizure Do You Have Now?
Absence Seizure — petit mal seizures. (It’s the old language, that’s what they understand!)
Simple Partial Seizure — myoclonic seizures…
Complex Partial Seizures…
The type of epileptic seizure you have had and the amount of time that has passed since your last seizure are determining factors in your ability to get life insurance.
Get a FREE Life Insurance Quote Today!
The way to get the best possible price available is to have an “impaired” risk life insurance expert shop your specific medical information out to multiple life insurance companies on an informal basis. Once those companies review your information, they will give you feedback in terms of price and you can decide at that time which life insurance company is best for you.
Individuals who are licensed to drive, who demonstrate that they are following the directions of their physicians by taking recommended medications and those who refrain from behaviors or occupations that puts them at higher risk for accidents will have the most favorable insurance rate outcome.
People with epilepsy whose seizure activity is not under control, who are unable to work or who cannot obtain a driver’s license, will face a more difficult challenge getting insurance.
The application provides the insurer with information on your current health and medical history. Should the application fail to ask you for specific information related to your epilepsy, be sure to inform your agent or broker about the specifics of your condition:
TYPE of seizures experienced (tonic-clonic/grand mal, complex partial, simple partial/focal, absence, etc.)
ONSET of your seizures…
FREQUENCY of your seizures…
DURATION of your seizures…
MEDICATIONS: dosages and frequency…
DOCTORS who are monitoring your condition – be sure to note any specialists…
LIFESTYLE information (e.g. high-risk activities) may also be relevant.
It is very important to give detailed information about your epilepsy, as every situation is unique. Severity, type of seizure, frequency and duration all vary from person to person and over the course of your life. And if the broker is too dense to ask these questions, make sure you have the questions – and answers.
The more detailed information, the better.
IF YOUR APPLICATION IS DENIED … DON’T GIVE UP!!!
You have the right to know the reasons for denial and the appropriate time to re-apply for coverage.
Ask the insurance company to provide the reasons in writing.
If all else fails, re-apply after 2 or more years. Your seizure disorder may improve, making you a better candidate for coverage. Discuss this option with your agent/broker.
With myoclonic, absence or petite mal seizures; if you’re last episode was over 2 years ago, there are still some life insurance companies that will offer standard rates. If your last seizure was within the last 2 years, you will qualify for “substandard” levels of insurance at different rates.
With tonic-clonic or grand mal seizures, it all depends on how controlled your seizures are. The more time that has passed since your last seizure, the better your rate will be. If it has been over 5 years, then you may qualify for standard rates.
Studies have shown that people with infrequent seizures show no greater mortality risk than the general public. Some life insurance companies are really leading the way in underwriting epilepsy.
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 agent’s.
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.
If you have been diagnosed with epilepsy, you should not apply with multiple companies at the same time. The more companies that give you a table rating or decline coverage on a formal application, the less likely you are to get a better offer.
Also, don’t try this alone. It is impossible to find out the REAL rates and numbers without an impaired risk life insurance agent steer you through these tricky shoals.
No one is going to give you any information, until they have yours. Yup, they offer FREE QUOTES, but nothing in life is free.
To check out what types of insurance you probably qualify for, try these link:
1st Quote http://www.1stquote.com/epilepsy.htm Their recommendations may help you.
They provide the names of companies that actually offer life insurance for people with epilepsy:
ING Life Insurance Company http://www.ing-usa.com/ 1-800-654-5375
American General Life http://www.aglife.com 1-800-231-3655
Banner Life Insurance Company 1-800-638-7069
Transamerica Life Insurance Company http://www.transamerica.com 1-800-852-4678
West Coast Life Insurance Company http://www.westcoastlife.com 1-800-366-9378
The Lincoln National Life Insurance Company http://www.lfg.com 1-888-946-2700
ING ReliaStar Life Insurance Company of New York http://www.ing-usa.com/ 1-800-654-5375
Genworth Life and Annuity Insurance Company http://www.genworth.com/ 1-888-325-5433
Protective Life Insurance Company http://www.protectivelife.com 1-800-866-3555
But, there are also zillions of other companies screaming FREE QUOTE. (If you haven’t gone blind by now, look up the companies in the Resources list.) That’s why you need a specialist.
But, give it a shot. If you don’t try, you won’t know.
About the author
Phylis Feiner Johnson has been a professional copywriter for 30 years. She also spent 20 years with epilepsy. She writes from the heart to increase education, awareness and funding for epilepsy research. For further information, contact The Epilepsy Foundation of Eastern Pennsylvania at http://www.efepa.org/ and please make a contribution to become an advocate, too.