We know it can be frustrating searching for a life insurance policy with a history of Epilepsy or Seizure Disorder.
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 Epilepsy or Seizure Disorder? And if so…
2. How much will it cost?
Yes, most individuals with Epilepsy or Seizure Disorder will be able to qualify for traditional life insurance, the type of insurance which requires a medical exam.
However, these types of approvals can only be offered by life insurance companies that are accustomed to high risk life insurance cases.
Best Case Scenario – If Epilepsy or Seizure Disorder had been detected during childhood and the cause identified, the chances of control of the symptoms of loss of consciousness is high. This may be rated at “Standard” health class. Click here for quote at “Standard”.
Moderate Case – Symptoms of seizure and loss of positional control that persists in adulthood and whose symptoms occur more frequently may be rated at “Mild Substandard.” Those with diagnosed complications like metabolic alterations as a result of prolonged seizures may be rated at “Medium Substandard,” this is as long as symptoms remain controlled with medications. Click here for a quote at “Mild Substandard” or “Medium Substandard.”
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:
1. How many years since you were diagnosed with Epilepsy or Seizure Disorder?
Epilepsy or Seizure Disorder is a non-curable condition, but the symptoms of loss of consciousness and motor jerking can be managed well with proper medication. The longer the condition the chances of control can be easily recognized.
2. Have you experienced any symptoms within the last six months?
Symptoms of lack of positional and muscle control with momentary loss of consciousness within the last six months and, which occurs more frequently in a period of one year shows lack of control of the condition. These cases may get a “Mild Substandard” or “Moderate Substandard” rating.
3. Are you taking anti-seizure medications?
The need for medications is very crucial with the control of the symptoms of seizure. Over time, compliance decreases incidents of seizure attack and for some patients nearly absence of loss of consciousness may be observed. Compliance to medications may get a “Standard” or “Mild Substandard” rating.
4. Has your doctor identified the trigger factors that cause the seizure attack?
Identification and diagnosis of the underlying condition for the seizure attacks will give a clear picture of your health condition. Depending on the underlying cause, it may need further assessment and evaluation.
5. Have you had any relevant diagnostic tests in the past 12 months?
Recent laboratory and diagnostic tests may include EEG tests, PET or CT scans that will show your actual neurological condition. These are the best ways to assess your compliance with your physician’s management.
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 Epilepsy or Seizure Disorder
Epilepsy or Seizure Disorder is a chronic neurological condition that is the result of short, stereotyped, but frequent symptoms of partial loss of consciousness, lack of positional and muscle control often characterized by jerking movement and generalized muscle stiffness.
Epilepsy or Seizure Disorder is referred to as a phenomenon, since it is the result of a disease entity rather than a clinical condition in itself.
Epilepsy or Seizure Disorder is non-curable, but can be significantly controlled with medication. Most cases manifest in childhood and may or may not continue until adulthood.
Related Keywords: seizure disorders, seizures, epilepsy, partial seizures, generalized seizures