Have you been declined for life insurance due to Convulsions?
The good news is there is hope.
In fact, tough life insurance cases are our specialty at High Risk Life Insurance Agency.
Your Answers in 2 Minutes
Stick with us for two minutes, and you’ll have two important questions answered:
1. Can you qualify for life insurance with Convulsions? And if so…
2. How much will it cost?
Yes, most individuals with Convulsions will be able to qualify for traditional life insurance, the type of insurance which requires a medical exam.
But you will need to speak with a knowledgeable, independent agent, who is licensed with several life insurance companies for your best chance at approval.
Best Case Scenario – A best case scenario may be applicable for cases of Convulsions if the symptom of muscle shaking, loss of consciousness or temporary loss of breathing is controlled. It is also important that the cause or trigger of the symptoms is identified.
If there is no immediate health or medical risk like head injury or stroke, most cases may have a “Standard” rating.
For cases of Convulsions with a history of brain injury, but show no long-term loss of cognitive function may still qualify for a “Mild Substandard” health class. Click here for quote at “Standard” or “Mild Substandard”.
Moderate Case – Those cases with known complications to the brain, but can still perform the normal activities of daily living and whose symptoms of muscle twitching and jerking are mostly controlled may still qualify for a “Medium Substandard” health class. Click here for a quote at “Medium Substandard”.
You may have difficulty qualifying for traditional coverage, but could be eligible for a graded death benefit policy.
Common Questions to Assess Rating Class
If you’re unsure which of the above health classes to quote yourself at (Standard, Mild Substandard or Medium Substandard), please see the questions below:
How many years have you been diagnosed with Convulsions?
Convulsions that are triggered by high grade fever in childhood usually disappear in adulthood. If the absence of brain complication is established, most of these cases may qualify for a “Standard” rating.
Those with recent symptoms of Convulsions due to other conditions like stroke, head injury or meningitis that have recovered may still qualify for a “Mild Substandard” or “Medium Substandard” health class after a thorough medical evaluation.
You might also be interested in reading this article “Life Insurance Approval with Paget’s Disease”
Have you experienced any symptoms within the last six months?
Recent symptoms of body shaking, saliva drooling or eye rolling may be flare signs of worsening condition of Convulsions. These symptoms may be warning signals of complications to the brain or other organs. The best rating that these cases may qualify after a thorough evaluation is at “Medium Substandard”.
If you do not qualify for the traditional coverage, you may still get the graded death benefit policy.
Are you taking any medications?
The need for medications for muscle control problems, heart conditions or brain symptoms may mean the presence of complications of Convulsions. This could mean a “Medium Substandard” rating or a need for a thorough medical evaluation before a rating can be determined.
Have you had any relevant diagnostic tests in the past 12 months?
It is important to have a regular visit to your doctor and to have recent laboratory or diagnostic tests like brain CT scan or MRI to determine the possibility of complications. This will give the most accurate information about your actual condition.
This may also confirm your compliance with your doctor’s management. A good medical evaluation may get you a “Standard” or “Mild Substandard” rating.
Do you have other medical conditions?
If you have other medical conditions like diabetes or heart problems other than Convulsions, you have to be thoroughly evaluated before a proper rating can be given.
If you don’t seem to fit into one of the ratings above, I recommend requesting life insurance quotes from “standard” to “severe standard” so you understand the range of possibilities.
Using the Instant Life Insurance Quote form on the right, select the rating class that best suits you based on your answers to the questions above, as well as complete the amount and type of coverage needed.
An estimate will appear on the next page.
If we can help you with a quote or to apply for coverage, call us at 877-443-9467.
Overview of Convulsions
A Convulsion is described as a medical symptom characterized by rapid muscle contractions and relaxations, causing the body to shake uncontrollably.
Convulsion itself is not the illness per se, but a common symptom of various conditions; the most common among them is epilepsy.
Convulsions are commonly mistaken as seizures, but the former is actually just one of the manifestations of seizure.
The most common causes of Convulsions include brain illness or injury, brain tumor, electric shock, choking, high grade fever (especially in children), head injury, drug intoxication, meningitis or stroke.
Symptoms of Convulsions include sudden falling or loss of motor control, eye rolling, teeth clenching, drooling of saliva, snorting sound, twitching and jerking of muscles and limbs and sometimes brief and temporary loss of breathing.
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