Burial Insurance For Seizures
There are ways that people can shield themselves and their loved ones from the financial strain as the number of Americans living with epilepsy rises. According to studies, one in twenty senior citizens will have a seizure or be given an epilepsy diagnosis at some point in their lives.
Given this possibility, many seniors are choosing to get pre-epilepsy burial insurance coverage. What these policies cover and how you may find out more about them are addressed in this blog post.
How To Easily Get Low-Cost Burial Insurance For Seizures
If you suffer seizures, can you still receive life insurance? The terrifying feeling just before or during a seizure is one of the great hurdles that people with seizures must overcome in their daily lives.
Understandably, it is difficult to purchase life insurance given the high death risk of individuals who experience frequent seizures.
When it comes time to funeral or final expense insurance, fortunately, having seizures won’t be a problem with insurance companies.
We have assisted countless individuals who experience seizure episodes in finding the cheapest insurance plan with instant insurance coverage.
Yup! Because we already know which top-rated insurance company will without a doubt accept applicants with seizure episodes, we were able to assist many people with seizures without having to lift a finger.
We’ve done a lot of helping; now let us help you.
Seizures And Final Expense Insurance Companies
I have horrible news.
Is epilepsy a condition that preexists other conditions? Few insurance companies are rigorous regarding seizures, although the majority may inquire about seizures as part of the underwriting process.
If you have an illness or disorder that an insurer says they are not comfortable with, you can only be offered higher premiums with a waiting period.
Seizures are viewed by the carrier as a pre-existing condition. Because to the increased danger of harm, having seizures will require many changes in your daily routine, especially in terms of safety. Insurance companies are frequently quite careful when dealing with this disease.
The good tidings
Several reputable insurance providers are alright with seizures and will provide burial insurance coverage at the lowest premiums with no waiting period.
The insurance companies typically refer to this plan as “level,” “preferred,” or “simple.”
With the improvements in seizure medicine today, there are several potent anti-seizure drugs and therapies that can help people who are prone to seizures lead full, active lives.
Indeed, the fact that you won’t need to undergo a physical or medical exam is another positive. You merely have to go through health questionnaires and a check of your past prescription medication history to get anything close to this.
Because top-rated insurance providers are aware of this, they may provide inexpensive burial insurance plans with no waiting time because seizures are not seen as a high-risk condition by them.
Procedure Used By Final Cost Insurance Companies For Seizure
So, how can someone who has seizures obtain a simplified burial insurance plan? A procedure of underwriting is required.
Is epilepsy considered a serious illness? You will be questioned about your health throughout the underwriting process of burial insurance providers, and your history of prescribed medications will be examined.
You will be questioned by insurance companies about the following areas of your health:
Questions regarding your lifestyle, current and previous illnesses (if any), and health history.
history of prescribed medications evaluation.
the underwriting’s health-related inquiries
The health-related inquiries made by burial or last expense insurance firms concern certain illnesses, therapies or interventions, cigarette and alcohol usage, and way of life.
Seizure Underwriting Process Of Final Expense Insurance Companies
So, how can you secure a simplified burial insurance plan with seizures? You need to go through an underwriting process.
Is epilepsy classed as a critical illness? In the underwriting process of burial insurance companies, you will be asked health questions and your prescribed medication history will be up for review.
Insurance companies will ask about the following aspects of your health:
Questions about your present and past diseases (if there’s any) and lifestyle.
Prescribed medication history assessment.
Health questions in the underwriting
Burial or final expense insurance companies’ health questions will ask about specific diseases, treatments or procedures, tobacco use, alcohol consumption, and lifestyle.
“As a general rule: On the health questions, if a health issue like diseases, disorder, condition, etc.is asked, then it’s a high risk for them. The same goes for procedures if you had it or not within a specific time table.”
On the other hand, if a health issue or procedure was not asked, it means they are perfectly fine with it and offer a simplified insurance plan if that’s only your situation.
Burial Insurance and The Health Questions For Seizures
Do epilepsy and life insurance interact? Several insurance companies specifically refer to seizures or refer to them by a more broad medical name.
They usually use the word “seizure,” which is more precise, or “neurological disorder,” which is more general.
The most typical ways that burial insurers will ask about seizures are as follows:
Have you received a seizure diagnosis or treatment in the previous 24 months?
Have you had a neurological disorder diagnosis or treatment in the previous 24 months?
To assess an applicant’s level of risk, insurance firms will ask for a sickness over a certain length of time.
When you experienced the ailment inside the requested period will determine the cost and caliber of the insurance plans they will give.
A funeral insurance provider often doesn’t care if you had the condition more than 24 months ago.
Prescribed Medication History Assessment
Insurance companies will review your prescribed medication history to comprehensively find out if you have other diseases that they might take issues with.
Basically, by knowing what medications you were prescribed, they will know the health issues you have or had.
Below are the commonly prescribed medications for patients with seizure:
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)
If you are taking one of these medications, the insurance company will conclude that you had a seizure or you’re a patient with a seizure condition.
Good to know: All insurance companies will, of course, have their own rules and guidelines in assessing clients for any disease and how they will categorize them according to their risk and what kind of coverage plan they will offer.
Below are the possible offers that insurance companies will give you for if you’re dealing with seizures alone.
Possible Burial Or Final Insurance Plan Offers For Seizures
Offer #1 Highest premium with a waiting time period
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 to 100% higher than it would be for someone without seizures.
Also, there will be a 24-month waiting period that will prevent your beneficiaries from receiving the entire amount of your death benefits unless you pass away during that time.
All premiums will be repaid with % interest if you pass away within the waiting period.
Offer #2 Slightly higher premium with immediate percentage payout per period
Usually, a “Graded” plan is referred to as a percentage payout every time period.
With a 24-month waiting period, the monthly premiums will really cost 15 to 50 percent higher. Typically, graded death benefits include the following:
You will receive 30 to 40 percent of the total death benefit if you die away during the first 12 months.
You will receive 70 to 80 percent of the total death benefit if you pass away within the FIRST 12 months.
Offer #3 Your application is declined
Some insurance companies just simply don’t want to take the risk with applicants that have recurring seizure conditions.
If you move forward with us, you won’t encounter this situation.
Offer #4 Lowest cost with immediate coverage (best plan)
This plan is usually called “simplified”, “preferred”, or “level” depending on the insurance companies.
The title says it all, this will be the best-priced insurance plan with no waiting time period- your beneficiaries can receive the full death benefit anytime starting from day one.
The Truth About Burial Insurance For Parents With Seizures
Do your parents need last expense life insurance that doesn’t require an exam? The harsh reality is that, if within a specific timeframe, the majority of carries are automatically declined.
If your condition has been present for longer than two years, Royal Neighbors of America will grade you. You can choose between standard and modified coverage from Liberty Bankers Life, another carrier, depending on the term.
You will need to think about the guaranteed issue policy if you are seeking for a carrier and your parents are not accepted with the aforementioned carriers or any other day one coverage. Although there is a 2-year waiting period, something is still preferable to nothing.
If your parents are still relatively healthy, it is statistically unlikely that they will pass away from a natural cause.
In all honesty, the longer you put off doing this, the more expensive it will end up being.
How To Quickly Find The Best Burial Or Final Expense Insurance If You Have Seizures
Here’s a COMPLETE list of the qualities that you should be looking for in an insurance plan and the insurance company that offers it:
The insurance company with the lowest monthly premium.
The insurance company that can offer a simplified plan for seizures.
The policy has the highest benefit payment that can protect you sooner.
The insurance company is financially stable with a proven track record.
You may precisely receive these coverage attributes for having seizures from us at DiabeticInsuranceSolutions.com
Several of our clients experience seizure episodes, and we have successfully assisted them in obtaining a straightforward plan from the nation’s top-rated insurance providers that has withstood the test of time and industry pressures.
We are experts when it comes to any reputable burial or final expense insurance provider that we represent, including their underwriting requirements and pricing.
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.
We will only get back to you with the finest solutions for your circumstance while being guided by the specifics of your condition.
In a 10-minute phone call, we will shop you to multiple top-rated A+ rated carriers and hold your hand throughout the entire process.
Give us a chance to prove all of these to you. We promise you a simple no-nonsense interview process with no pressure at all whatsoever.
If you would like more information on seizures.
Conclusion
Finding life insurance might be particularly challenging if you have suffered from seizures for a long time. Life is difficult enough without worrying about being prepared to defend your family in the event of an emergency. For persons with seizures and other neurological diseases like epilepsy or Alzheimer’s disease, there are companies that specialize in burial insurance. Please get in touch with us right away so that we may begin the process of arranging a cheap policy that is specifically designed to protect you from unanticipated events.
