A Complete Guide To Securing Low-Cost Burial Insurance for Epilepsy [2023 Review]

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Some people are unaware that starting early is one of the most crucial aspects in acquiring a low-cost epilepsy burial insurance coverage. Although this subject may seem morbid, it’s important to make sure that you and your family are financially ready for the unforeseen event of death.

Due to the fact that more than 70% of Americans lack any kind of life insurance, many seniors find themselves in dire straits financially in the event of an untimely death.

To help you start on this crucial step right away, this blog post will cover everything from how much coverage you need to the different types that are available.


Final Expense Insurance for Epilepsy

Many Americans suffer from epilepsy, a neurological condition that can have a profound impact on daily life. You may already be aware of how infamously pricey other types of insurance are for epilepsy, and you might believe that finding affordable final expense or burial insurance will be challenging. Don’t worry; it’s not.

“With all the different insurance issues

surrounding epilepsy, we take joy in being

able to help a lot of people dealing with

epilepsy get the best final expense insurance

at a modest cost.”

Getting burial insurance with epilepsy is on our qualified health impairment list for same-day coverage.


Burial Insurance for Epilepsy

Is life insurance a smart investment? You will discover that there are many insurance firms that are absolutely fine supplying affordable burial insurance for persons with epilepsy with the help of this advice on how to obtain burial insurance coverage.

8 Reasons

Epilepsy And Final Expense Insurance Companies

Every insurance firm must abide by its own set of laws and regulations. If you have epilepsy, some firms might reject you, some might provide expensive plans, and a few might give you the most affordable burial insurance option available.

There are several insurance providers who welcome seniors looking for final expense or burial insurance coverage at the lowest price with no waiting time; these plans are frequently referred to by the terms “simplified,” “preferred,” or “level” by the providers. So, if you’re in your senior years, getting provided a basic burial insurance plan shouldn’t be an issue as long as you don’t have any other conditions that these insurers are picky about.

When applying for burial insurance, there won’t be any medical or physical exams required; there are only health questions, and in some cases, none at all, which can get you authorised the same day.

The bottom line is that we here at BestBurialPolicy.com can unquestionably locate you the best final expense insurance for your circumstance, regardless of how serious your recurrent seizures or epilepsy are.


Epilepsy Underwriting Process Of Final Expense Insurance Companies

In the underwriting process, insurance companies will ask health questions and review your history of prescribed medications.

Insurance companies will ask about the following aspects of your health:

  1. Questions about your present and past diseases (if there’s any) and lifestyle.
  2. Prescribed medication history assessment.

As a general rule, if a disease, disorder, treatment, living condition, habit, type of assistance, etc., is or is requested, the insurer is strict and the risk is high for them.

For epilepsy, for example, wheelchair use is either a type of living condition or a type of assistance that will be asked constantly in the underwriting questions.


Epilepsy In The Health Questions

Is epilepsy regarded as a pre-existing disease? The terms “epilepsy,” “seizure or recurring seizure,” or “neurological condition,” which is a broader phrase that describes it, are frequently asked for or mentioned by insurance companies.

Here are the inquiries regarding epilepsy that will be asked when you go through the health questions:

  • Seizure or recurring seizures
  • Neurological conditions
  • Home health care
  • Wheelchair use
  • Needing assistance with activities of daily living (bathing, dressing, transferring, toileting and eating)

other issues related to health that epilepsy patients frequently have assistance with daily life activities and health care at home (ADL)

Most insurance companies’ burial or final expense insurance is underwritten insurance plans, thus they can only provide you a “guaranteed issue (GI)” coverage if you require home health care and assistance with ADLs.

However, there is only one provider of burial insurance that can provide coverage superior to that of a GI plan. This business can provide “Graded” burial insurance (with some instant benefits).

This is the best solution for someone with epilepsy who needs help with ADLs and home health care (including protection).


Life Insurance Epilepsy

Need To Use A Wheelchair

Wheelchair use will ALWAYS come up in insurance company underwriting health questions. These are the common questions about how wheelchair usage is asked:

  1. Are you confined to a wheelchair?
  2. Are you confined to a wheelchair due to a chronic disease or illness?

Unfortunately, many insurance providers will reject your application if the answer to both questions is yes. Most insurance firms will refuse to insure you for burial or final expense insurance if you have a chronic illness and use a wheelchair.

A “Guaranteed issue (GI)” plan, which offers no underwriting requirements and no prescription drug review, is your only remaining alternative in this situation. A GI plan has a complete 24-month waiting period and is more expensive.

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Neurological Conditions

Many of the underwriting questions used by insurance firms frequently use larger terminology. Some insurance providers will refer to epilepsy as one of several “neurological diseases,” instead of the word “epilepsy.” So you should say “yes” if you have epilepsy.

“The importance of Final Expense Insurance

Specialists guidance in answering

underwriting questions”

There may be questions described here that have been completely reworded and may sound completely different in the actual underwriting questions, as you may have noticed above with the many underwriting questions related to epilepsy.

You might assume it’s simple enough to figure out the answers to an underwriting inquiry on your own because they seem so straightforward. Without a doubt, giving a hesitating response could result in diminished or, worse, no rewards. when the moment arises.

One of the important circumstances where our knowledge will greatly aid in obtaining the greatest coverage is in this one. Consultation with one of our highly knowledgeable Final Expense Insurance Specialists will prevent you from providing excessive or insufficient information when responding to underwriting inquiries.

The most top-rated insurance companies will evaluate your health the best based on your responses to the underwriting questions, and an expert independent agent will contact you straight away with insurance coverage options from those businesses.

Whatever happens, you should speak with a trustworthy independent insurance expert or company like BestBurialPolicy.com right away for professional guidance.

Prescribed medication history assessment

should carefully check if you have any further medical disorders that they might be concerned about. The history of your prescribed medications will be examined by insurance companies. In essence, they will be aware of the health difficulties you have or have had if they analyse your prescriptions.

Almost all insurance companies will presumptively consider you as an applicant with epilepsy if you are using one or both of the prescription medications listed below, regardless of how you responded to the underwriting health questions.

  • Carbamazepine (Carbatrol or Tegretol)
  • Clonazepam (Klonopin)
  • Diazepam (Valium)
  • Eslicarbazepine (Aptiom)
  • Ethosuximide (Zarontin)
  • Felbamate (Felbatol)
  • Lamotrigine (Lamictal)
  • Levetiracetam (Keppra)
  • Lacosamide (VIMPAT)
  • Lorazepam (Ativan)
  • Oxcarbazepine (Oxtellar XR, Trileptal)
  • Perampanel (Fycompa)
  • Phenobarbitol
  • Phenytoin (Dilantin)
  • Pregabalin (Lyrica)
  • Tiagabine (Gabitril)
  • Topiramate (Topamax)
  • Valproate (Depakene, Depakote)
  • Zonisamide (Zonegran)

There are maybe others, but these are the common seizure medications that are commonly tagged by insurers as someone with recurring seizures.

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Possible Burial Or Final Expense Insurance Plan Offers For Epilepsy

Offer #1 Your application is declined

Some insurance companies simply do not want to take the risk of insuring applicants with epilepsy or recurring seizure disorders.

If you move forward with us, you won’t encounter this situation.

Offer #2 Highest premium with a waiting time period

This plan is commonly referred to as “Modified” by insurance carriers. You are most likely considered to be at the highest risk as a result of this.

The cost of the monthly premiums will be 30–100% higher than with a basic plan. Additionally, there will be a 24-month waiting period after which your beneficiaries would only be eligible to collect the entire amount of your death benefits if you die away before then. All premium payments will be returned with a specific percentage interest in the event that you pass away within the waiting period.

When it comes to epilepsy, a “guaranteed issue” plan—where the premiums would be 15–40% more expensive with a complete 24-month waiting period—might be a preferable choice.

Knowing this will help you choose which offer would be ideal for you in terms of advantages and pricing. A highly skilled final expense insurance specialist can assist you with the arithmetic and help you make this decision.

Offer #3 Slightly higher premium with immediate protection of a percentage payout per period

A “Graded” plan is typically referred to as a percentage payout per time period.

With a 24-month waiting period, the monthly premiums will cost 15 to 50% higher. This will provide some immediate security.

Typical immediate advantages include the following:

  1. 30 to 40% of the full death benefit will be paid if you pass away within the FIRST 12 months.
  • 70 to 80% of the full death benefit will be paid if you pass away within the SECOND 12 months.
  • After the 2 years waiting time period, you will be fully insured for life.

Offer #4 Lowest cost with immediate coverage (best plan)

Depending on the insurance carriers, this plan is frequently referred to as “simple,” “preferred,” or “level.”

If all goes according to plan, you will receive it just like a person in excellent health. This will be the most affordable burial insurance option available without a waiting period; your beneficiaries can begin receiving the full death benefit right away.


How To Quickly Find The Best Burial Or Final Expense Insurance For Epilepsy

The following is an exhaustive list of the characteristics you should look for in an insurance policy and the insurance provider that provides it:

  1. The insurer with the most affordable monthly premiums.
  2. The insurance provider with the finest options for various epilepsy scenarios.
  3. The greatest benefit payment available under the policy can cover you more quickly.

The insurance agency that you would need to move forward with must have the following qualities when it comes to finding burial coverage for epilepsy:

  1. The agency must be independent to have access to a lot of different insurance companies that can possibly offer the best coverage.
  2. The agency must have insurance agents that are highly experienced burial or final expense insurance specialist that have the passion to help you! Not the companies.
  3. The agency only offers the best policies from the country’s top-rated insurance companies that have stood the test of time in the insurance industry with stable finances and a proven track record.

You may acquire these coverage attributes for epilepsy from BestBurialPolicy.com.

Many of our epilepsy clients have been successful in obtaining coverage plans from the nation’s top-rated insurance providers that have withstood the test of time and industry pressures.


Final Expense Policy And Your Parents

Are your parents in need of a last expense policy?

Whatever your epilepsy scenario, by working hard and using our well-earned expertise of the underwriting requirements and premiums of each top-rated burial or final expense insurance provider that we represent, we can present you with the greatest offers.

We are an independent insurance firm with a staff of highly skilled Final Expense Insurance Specialists. We have access to the top-rated A+ insurance companies in the nation, and we only offer premium insurance policies with cutting-edge supplementary features that are provided at no additional cost.

We are driven by a mission to ensure that EVERYONE has access to the best last expense insurance coverage available! regardless of their health problems.

Only the finest solutions for your epilepsy scenario will be presented to you, with us led by the specifics of your health.


“What we only need from you is a little bit of

your time to know your details.”

Talk to us now! We promise you a simple no-nonsense interview process with no pressure at all whatsoever.

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Conclusion

To assist you in learning more about how to get affordable burial insurance for epileptic patients, we have produced a full blog page. The answer to your question of whether it is feasible is that it is! There are numerous options available for you to select from that will fit inside your price range. With this essay, we aimed to not only inform you of the different forms of coverage available, but also to suggest some tactics that would be most effective for you. To begin today’s search for the ideal plan, click here.