What about epilepsy and seizure disorders and life insurance?
Many people believe that they cannot purchase life insurance if they have a history of seizures or another form of neurological illness. It’s not like that at all! In truth, a lot of people with epilepsy may find flexible and reasonable term life insurance.
You might be able to afford enough coverage for your family’s future requirements because these plans are so much less expensive than whole-life policies.
Life Insurance And Epilepsy/Seizure Disorders
Many people believe it’s unlikely that life insurance companies will accept them for a regular plan if they have epilepsy or frequently have seizures. They might seek protection from guaranteed acceptance life insurance instead. Although this type of plan is always a possibility, be aware that it is possible for ordinary policies, such as a term life insurance plan, to be accepted. A whole life insurance coverage is an additional, more expensive option.
Naturally, that depends on how serious your illness is. The mere possibility that someone has epilepsy does not preclude them from being able to locate reasonably priced life insurance solutions. Hence, see if you can be covered by a less expensive life insurance policy before considering any kind of no exam life insurance.
The truth is that a wide variety of insurers offer coverage to those with epilepsy and seizure disorders. especially if the disease has been effectively controlled.
WHAT IS IT LIKE TO HAVE EPILEPSY
How is it like to have epilepsy? Chronic epilepsy is defined by a history of a few seizures. Furthermore, they weren’t immediately triggered by a prior specific trigger.
Many seizures can be controlled by a variety of drugs that are available. For instance, many epileptics must take these medications for the rest of their lives. Yet, all drugs can have unwanted consequences. Some epileptics need to take more than one drug to control their seizures, and some medications are preferred for the management of particular seizure types. The patient and doctor may decide to discontinue taking medication for a trial period if the patient had been seizure-free for a predetermined amount of time, usually four decades.
IS EPILEPSY CONSIDERED A PRE-EXISTING CONDITION
There are now more options for persons with epilepsy as a result of the Affordable Care Act and improvements to our healthcare system over time. to the above. In the absence of the above. In the absence of the above. In the absence of the above.
WHAT KINDS OF THINGS WILL INSURANCE COMPANIES WANT TO KNOW ABOUT MY CONDITION
It’s usually a good idea to get ready for the application procedure before applying for life insurance. After all, life insurance firms are more inclined to accept applicants who are detailed and truthful in their responses. The following is a list of some potential inquiries life insurance providers could make regarding your health:
- Have you received any forms of treatment for your condition?
- When did you experience your last seizure?
- How frequent are your seizures, approximately?
- How long have your seizures lasted?
- What category of seizures do you suffer from?
- When, exactly, were you diagnosed?
- Is your condition mild, moderate, or severe?
It is still possible to acquire affordable health insurance, even though having epilepsy or any type of seizure disorder may cause you to be viewed as a high risk applicant by most insurance providers.
THE UNDERWRITING PROCESS FOR EPILEPSY
Underwriters examine the entire application when a life insurance application is submitted. additionally, all of the supplementary paperwork. Once they have decided to accept or defer the application, they decide how much protection and at what cost to offer the potential client. You can fall anywhere between the Standard and Table graded categories if you have epilepsy as an applicant. According to the rating methodology, epilepsy falls among the top 9 of the 12 rating classes. Depending on the structure the insurance company employs, tables 1 through 9 (A–I).
WHAT KIND OF CONCERNS DO INSURANCE COMPANIES HAVE ABOUT INSURING THOSE WITH EPILEPSY
Businesses are more likely to worry about potential accidents that could result from seizures than they are about the seizures themselves. They’ll be curious about how regularly they happen. Moreover, how serious they are so they can attempt to gauge your level of danger.
Of course, they will consider your general health as well, just like they would anyone else. There are various things you may do to lower your insurance rates before you apply for life insurance. This involves giving up smoking, improving your diet, getting more exercise, and decreasing weight.
TYPES OF SEIZURES LIFE INSURANCE CARRIERS NEED TO KNOW
Life insurance experts frequently approach the medical community to gather data on ailments like epilepsy. They’ve discovered that there are several different sorts of seizure disorders that can include various life insurance policies.
Even though you may be an expert in your field, it’s still a good idea to gain more knowledge about other applications when you’re reviewing a life insurance application: Epilepsy’s effects on risk
- Petit Mal or Absent Seizures: This extremely rare type of seizure is characterised by a period of abnormal brain activity lasting 15 or so minutes. s. All rights reserved.. to………………………….
- Simple Partial Seizures (formerly known as Focal Onset Conscious Seizures):Only one side of the brain has this seizure, and the person is still cognizant during its 1- to 2-minute duration.
- Seizures with Focal Onset Impairment in Awareness (Formerly Known as Complicated Partial):As its name implies, this type of seizure is similar to the previous one but lacks the same level of consciousness and function. They can last from a few seconds to two minutes.
HOW THE LIFE INSURANCE CARRIER ASSESS RISK FOR EPILEPSY
These gaps might affect how a provider of insurance assesses risk. Important markers of epilepsy include differences in seizure duration, effects on engine performance, and level of awareness before and after the seizure. There is a wide range of operational variation within each of these categories. Some people are also able to have multiple experiences at once, with one type coming first. Because of these variations in individual circumstances, it’s crucial to be open about how seizures affect your life.
Some inquiries that might be made include how many seizures you typically experience annually and whether you’ve ever experienced any seizures that lasted longer than 30 minutes.
If your seizures are idiopathic (for which there is no known cause) or symptomatic, this is another another significant distinction that is necessary for an underwriter to understand (identified stressor). The distinction is significant because seizures may have a lower risk when they are predicted.
IMPORTANCE OF A REMEDY/TREATMENT PLAN
The actions you’ve taken since your inquiry, in terms of their impact on your life insurance policy, are perhaps the most crucial piece of information. That’s because your life insurance policy provider needs proof that you’ve tried every treatment option for seizure control. The most important is to keep all of your doctor’s appointments and to adhere to your treatment plan.
Epilepsy/Seizures and Life Insurance
If your doctor has recommended medicine, your chances of finding a great life insurance plan may be improved.
Additionally, you can show that taking the medication hasn’t been a problem for you. It is far preferable to receive a more intensive therapy plan that you have faithfully followed than a less rigorous plan that you have not.
OTHER MEDICAL HISTORY
Your underwriter is curious in other aspects of your medical history in addition to your epilepsy diagnosis. You may be able to acquire a better insurance plan if you engage in regular exercise, pay attention to diet, manage your general stress levels, or take care of your emotional wellbeing.
STATISTICS ON EPILEPSY
As of 2011, the following statistics reveal the seriousness of epilepsy:
- Approximately 2.7 million Americans live with Epilepsy.
- Yearly another 200,000 men and women in the U.S. have a diagnosis of epilepsy.
- One in one hundred individuals will be diagnosed with Epilepsy.
- One in ten individuals will have a seizure in their lifetime.
THE EFFECT ON YOUR LIFE INSURANCE POLICY
You must have a health examination before submitting an application for a life insurance policy. The examiner will enquire about your family history, health history, way of life, and usage of tobacco and alcohol during this test. Your height, weight, pulse, and blood pressure will all be taken by the person conducting the examination.
SO, HOW CAN I GET AFFORDABLE LIFE INSURANCE WITH EPILEPSY/SEIZURE DISORDER
Now, as we just discussed, prior to applying, it definitely helps to increase your general health and to stop any bad habits. You can take further steps to lower the cost of your life insurance, though. r text this
Just comparing the finest life insurance providers may be the greatest method to find the most affordable policy. Don’t purchase a policy from the first life insurance provider you contact. Get estimates instead from the finest life insurance providers, then contrast the costs and coverage.
Medical underwriting procedures vary from life insurance company to life insurance company. Hence, you should look for businesses who have a reputation for being more understanding of people who have epilepsy or other seizure disorders.
According to epilepsy/seizure disorder, the following rating classes for fully underwritten life insurance policies are available:
- Any surgical corrections – postpone 12 months
- Complex partial, Tonic-clonic, infantile spasms;(within 6 months -postpone, within 2 years of last seizure-table 3, 3-5 years – table 2, after 5 years Std)
- Simple partial, Nocturnal, generalized absence;(Within 2 years of last seizure – table 3, after 2 years, standard)
- Metabolic brain disease, status epilepticus;(within 5 years, decline)
WHAT DOES THIS ALL MEAN FOR YOU
The wonderful news is that if you apply for term life insurance while having epilepsy, you can be approved for coverage! The acceptance and evaluation course can be incredibly variable and subjective, which is a wonderful thing. But if you follow the advice we’ve given and, furthermore, talk to your personal life insurance agent about your circumstances, you might come out on top.
And remember that you have options if you’re not happy with the offer you receive. Consider shopping around, for instance. Another choice is to implement the policy and concentrate on improving the rating course through improved management and laboratory advantages.
YOU WILL SAVE THOUSANDS WORKING WITH AN INDEPENDENT AGENT
An fantastic investment may be made in an independent insurance agent.
You’ll have a far better chance of finding the appropriate life insurance coverage with an agent’s assistance.
Finding life insurance providers that won’t reject your coverage is much more likely.
Owner and representative of PinnacleQuote Life Insurance Experts, Danny Ray
It’s crucial that you purchase life insurance right away. The longer you wait, the more at stake is the financial stability of your family. If you don’t have life insurance, your loved ones will be left to pick up the tab for your funeral expenses as well as any outstanding obligations and lost income. The cost of life insurance also increases with age.
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With so many choices available, it’s crucial to consult a professional who can guide you in choosing the ideal strategy for your requirements. By offering life insurance quotations that are personalised and created especially for you, PinncaleQuote Life Insurance makes this procedure simple. This way, we can begin looking for coverage right away, regardless of where you are in the world or what kind of insurance is best for you. Have any inquiries? If you have any questions, please give us a call at (855) 380-3300, and one of our customer service agents will be pleased to assist you.