2024 Affordable Burial Insurance with Seizures
last updated on July 22, 2024Finding affordable burial insurance with seizures can be a challenge. However, having a history of seizures will not prevent you from being approved for coverage at an affordable rate.
You may even qualify for first-day coverage. This will mean that you have protection from the very first day, and you will also have the lowest premiums!
This article will show you how burial insurance companies underwrite seizures, what they will offer you, and how to find the best burial insurance policy.
FOR EASIER NAVIGATION:
- What Is My Best Insurance Option If I Have a History of Seizures?
- What Types of Burial Insurance Should I Avoid?
- What Type of Burial Insurance Is Best?
- If I Have Seizures, Do I Need A Medical Exam to Qualify for Burial Insurance?
- Burial Insurance Underwriting If You Have Seizures
- How Much Insurance Do I Need If I Have Seizures?
- How Should I Pay My Premiums?
- Seizures and Burial Insurance Riders
- Information We Need if You Have Seizures
- How to Get Lower Rates on Burial Insurance with Seizures
- Benefits of Burial & Funeral Insurance
- Other Common Uses for Final Expense Life Insurance with Seizure
- How Can Funeral Funds Help Me?
- Additional Questions & Answers On Burial Insurance With Seizures
What Is My Best Insurance Option If I Have A History Of Seizures?
If you have a history of seizures best option for insurance coverage is a level death benefit plan with first-day coverage. Some life insurance companies don’t even ask about seizures, and they will approve you for the best plan and the lowest rate.
Best Option: Level death benefit plan with first-day coverage
A level death benefit plan comes with a first-day coverage and no waiting period. Your beneficiaries will receive 100% of the death benefit when you pass away.
What Types Of Burial Insurance Should I Avoid?
| PLANS TO AVOID | WHY? |
|---|---|
| Term life | Premiums increase after 5 years. Coverage ends after 80. |
| Pre-paid funeral plans | Expensive |
| Universal life | Tied with stocks |
| No health questions policies | With 2-year waiting period |
| Plans offering "teaser rates" | $9.95 per unit plans or $1 buys $100,000 coverage |
| Over priced plans | Insurance from TV and junk mail |
| Plans that accept mail-in payments | Risky |
| Plans that accept Direct Express | High lapse rate |
| Plans that accept Credit Cards | High lapse rate |
What Type Of Burial Insurance Is Best?
| FUNERAL FUNDS PLAN BENEFITS | INCLUDED |
|---|---|
| 1st Day Coverage | YES |
| Rates NEVER Increase | YES |
| Coverage NEVER Decreases | YES |
| Easy to get approved | YES |
| No Medical Exam | YES |
| Same Day Approval | YES |
| Death Claims Pay Fast | YES |
| Builds cash value | YES |
| Coverage Up To Age 121 | YES |
If I Have Seizures, Do I Need A Medical Exam To Qualify For Burial Insurance?
You are NOT required to take a medical exam to qualify for burial insurance if you currently have seizures or have had seizures in the past.
When you apply for burial insurance, you only need to answer some basic questions about your health. The application process is simple; you don’t need to provide medical records or blood and urine samples.
You’ll get the official approval from the insurance company often within minutes!
BURIAL INSURANCE UNDERWRITING IF YOU HAVE SEIZURES
Burial insurance companies have two ways of underwriting:
FIRST – They may ask you a series of health questions. Your answers to their questions will determine your eligibility.
SECOND – They will electronically review your prescription history to verify your health.
HEALTH QUESTIONS:
Seizure disorder is also a term used in place of epilepsy. Most insurance companies will ask about seizure disorder or epilepsy on the health questionnaire.
Different types of seizures the insurance companies want to know about:
- Atonic seizures
- Tonic seizures
- Clonic seizures
- Tonic-clonic seizures
- Myoclonic seizures
- Absence seizures
You will see seizures asked in two ways: they use the word seizure in a question or the term neurological condition instead.
Here are some examples of how they ask about seizures:
- During the past 24 months, have you been diagnosed or treated for epilepsy or seizure disorder?
- Have you ever had, or been diagnosed with, or received treatment or medication for neuromuscular disease, including epilepsy, multiple sclerosis, Lou Gehrig’s Disease, or Parkinson’s Disease?
- Have you been medically diagnosed or treated for neuromuscular diseases like epilepsy or seizure disorder?
They may attach a specific time frame to the question. If you have had a seizure in the last two years, you would find that some insurance companies don’t even care about your history of seizures.
Even if you have a history of seizures or any other neurological disorders like Parkinson’s disease, Alzheimer’s disease, Huntington’s disease, or cerebral palsy we can get you approved for burial insurance at reasonable rates.
PRESCRIPTION HISTORY CHECK:
Aside from the health questions, burial insurance companies will run a prescription history check to see what medications you are taking. A prescription history check will verify your past and current health status.
Since seizure is typically treated with drugs, insurance companies will look for a specific medication.
Here is a list of medications that are typically flagged for seizure disorders:
- Carbamazepine (Epitol)
- Clobazam (Frisium)
- Clonazepam (Epitril)
- Diazepam (Diastat)
- Divalproex Sodium (Depacon)
- Ezogabine (Potiga)
- Felbamate (Felbatol)
- Gabapentin (Neurontin)
- Lacosamide (Vimpat)
- Lamotrigine (Lamictal)
- Levetiracetam (Keppra)
- Lorazepam (Ativan)
- Oxcarbazepine (Trileptal)
- Perampanel (Fycompa)
- Rufinamide (Banzel)
- Topiramate (Topamax)
- Valproic Acid (Convulex)
- Vigabatrin (Sabril)
- Zonisamide (Zonegran)
If you are on these medications, insurance carriers offering burial insurance with seizures will look at you as a seizure patient regardless of the way you answer the health questions.
Even if you fail to mention your seizure condition, the presence of these drugs in your pharmacy history will indicate that you have a history of seizures.
How Much Insurance Do I Need If I Have Seizures?
The amount of burial insurance you should buy varies depending on your personal and financial circumstances. However, burial insurance should cover the cost of your funeral, burial, and final expenses.
The first step to figuring out how much burial insurance you need is to know your end-of-life expenses. Your funeral cost is often the biggest single expense you need to pay. Other end-of-life expenses to consider are your outstanding medical bills, living expenses, credit card bills, and other debts.
Here’s an example of a funeral cost breakdown from the National Funeral Directors Association.
| AVERAGE FUNERAL COST WITH VIEWING AND BURIAL | |
|---|---|
| Non-declinable basic services | $2,300 |
| Removal/ transfer of remains to funeral home | $350 |
| Embalming & preparation of the body | $1,050 |
| Use of facilities for viewing & funeral ceremony | $965 |
| Hearse | $325 |
| Service car/van | $150 |
| Basic memorial printed package | $183 |
| Metal casket | $2,500 |
| Vault | $1,572 |
| Median Cost of a Funeral With Viewing and Burial | $9,420 |
| AVERAGE FUNERAL COST WITH VIEWING AND CREMATION | |
|---|---|
| Non-declinable basic services fee | $2,300 |
| Removal/ transfer of remains to funeral home | $350 |
| Embalming & preparation of the body | $1,050 |
| Use of facilities for viewing & funeral ceremony | $965 |
| Service car/van | $150 |
| Basic memorial printed package | $183 |
| Cremation fee (if firm uses a third-party crematory) | $368 |
| Cremation Casket | $1,310 |
| Urn | $295 |
| Median Cost of a Funeral with Viewing and Cremation | $6,970 |
| Rental Casket | $995 |
| Alternate Cremation Container | $150 |
How Should I Pay My Premiums?
The best way to pay your premium is through a savings or checking account. We recommend you set a bank draft from your savings or checking account. That way, the bank will automatically pay your premium each month, and you don’t need to worry about your policy lapsing due to non-payment.
Seizures And Burial Insurance Riders
Insurance policy riders add benefits to your policy. Adding insurance riders will enhance your policy to fit your needs. Some riders are built into your policy, while others can be added at an additional cost. Most riders are affordable, and it involves little to no underwriting.
Here’s a list of common burial insurance riders:
| FUNERAL FUNDS ADD-ONS | AVAILABILITY |
|---|---|
| Terminal Illness Add-On Benefit | Included with most plans |
| Nursing Home Care Add-On Benefit | Included with most plans |
Information We Need If You Have Seizures
When applying for final expense insurance with a seizure, it is important to provide as much information as possible.
We will ask you a series of health questions to better understand your condition. These questions include:
- Date of initial diagnosis (typically the month and year)
- Date of the most recent episode
- Number of seizures per year
- The specific type of seizure you have
- Known cause for the seizure
- Treatments or medication
- Symptoms that come with your episodes
- Do you have surgery related to seizures?
We need to know your medical condition to provide you with the best recommendation. The more information we get, the better your chances of finding affordable insurance coverage.
How To Get Lower Rates On Burial Insurance With Seizures
To get lower rates on a burial insurance plan with seizures, it’s critical to work with an experienced independent insurance agency like Funeral Funds which represents multiple insurance companies. Instead of having to do the research and calling the companies yourself, let us help you through the process. Working with us is like working with 40 companies all at once. This is the quickest way to find the cheapest burial insurance.
We are dedicated to getting you quality coverage at an affordable price. Call us at (888)862-9456, and we will help you pay less for your burial insurance.
Benefits Of Burial & Funeral Insurance
Here are some of the benefits of purchasing a burial or funeral policy:
- No medical exam or doctor’s visit is required – easy to get approved.
- Ease of issue – easy to qualify and get insurance coverage.
- No Money Down to get approved – have your policy start whenever you want.
- Level premium – your premium will never increase.
- Fixed death benefit – your death benefit will never decrease for any reason.
- Permanent protection – your policy can not be canceled by the life insurance company if you continue to pay your premiums.
- Tax-free – the death benefit is directly paid to your beneficiary tax-free upon your death
- Cash value builds up – burial insurance is a whole life policy that builds cash value over time.
Other Common Uses For Final Expense Life Insurance With Seizures
All of these examples are appropriate uses for Final Expense Life Insurance:
- Burial insurance plan with seizure
- Cremation insurance plan with seizure
- Funeral home insurance plan with seizure
- Final Expense insurance plan with seizure
- Prepaid funeral plan insurance with seizure
- Mortgage payment protection plan with seizure
- Mortgage payoff life insurance plan with seizure
- Deceased spouse’s income replacement plan with seizure
- Legacy insurance gift plan to family or loved ones with seizure
- Medical or doctor bill life insurance plan with seizure
We can help you with any of the plans above. Your pricing will depend on your age, health, and coverage amount for each program option.
How Can Funeral Funds Help Me?
Finding a policy if you have a pacemaker can be frustrating, but working with an independent agency like Funeral Funds will make the process easier and quicker.
If you have a history of seizures, let us help you; we will work with you side by side to find a plan that fits your needs.
You don’t need to waste your precious time searching for different insurance companies; we will do the work for you. We can shop your case to different companies to get your application approved.
Here at Funeral Funds, we specialize in obtaining life insurance coverage for people with a history of seizures.
We work with many A-rated insurance companies that specialize in high-risk clients. We will search for companies that will give you the best rate. We’ll match you up with your best funeral and burial insurance option.
We will assist you in securing the coverage you need at a rate you can afford. So, if you are looking for funeral or burial insurance with seizures in your medical history, we can help. Fill out our quote form on this page or call us at (888) 862-9456, and we can give you an accurate quote.
Additional Questions & Answers On Burial Insurance With Seizures
Can a person with seizures get life insurance?
Yes, a person with seizures can get life insurance. In fact, some life insurance companies do not ask about seizures in their health questionnaire, making it easy to qualify for a first-day coverage plan.
Can seizures be considered as critical illness in life insurance?
No, seizures are not typically considered a critical illness in life insurance. However, some companies may consider it on a case-by-case basis.
Is seizures a pre-existing condition for life insurance?
Yes, seizures are a pre-existing condition for life insurance. Before your life insurance application, any medical condition is considered a pre-existing condition.
Do I need to tell insurance about seizures?
Yes, you need to tell insurance about seizures. When applying for life insurance, you must declare this condition if the insurance company asks for it.
Can I get burial insurance with seizures?
Yes, you can get burial insurance with seizures. Burial insurance is a type of life insurance that does not require a medical exam; therefore, your health condition will not be considered.
Is seizures a disability?
No, seizures are not typically considered a disability. However, some people with seizures may be eligible for disability benefits if their condition prevents them from working.
Are seizures fatal in life insurance?
No, seizures are not fatal in life insurance. Even though seizures can be serious, they are not usually considered fatal conditions.
Is there a waiting period for life insurance with seizures?
No, there will be no waiting period if you choose the right company that offers first-day coverage for people with seizures.
What is the average cost of life insurance for someone with seizures?
The average cost of life insurance for someone with seizures will depend on factors, including age, gender, coverage amount, and general health.
Can seizures patients get final expense insurance?
Yes, seizure patients can get final expense insurance. Final expense insurance is a type of life insurance that does not require a medical exam; therefore, your health condition will not be considered.
What are some tips for getting life insurance with seizures?
Here are some tips for getting life insurance with seizures:
- Choose a company that offers first-day coverage for people with seizures.
- Work with an independent life insurance agent who can help you compare policies and find the best coverage for your needs.
- Be honest about your condition when you apply for life insurance. Lying about your health status could result in your policy being denied or canceled.
What are the things that may affect my eligibility if I have seizures?
The things that may affect your eligibility if you have seizures include your age, gender, coverage amount, and general health.
Can seizures affect life insurance?
No, seizures will not affect your life insurance coverage. Even though seizures can be serious, they are not usually considered fatal conditions in life insurance.
How can you get the best life insurance rates with seizures?
The best way to get the best life insurance rates with seizures is to work with an independent life insurance agent who can recommend the best life insurance company that does not ask about seizures.
What is the best insurance option for people with seizures?
The best insurance option for people with seizures is to choose a company that offers first-day coverage. Work with an independent life insurance agent who can find the best policy for your needs.
What are some things to consider when choosing a burial policy with seizures?
When choosing a burial policy with seizures, some things to consider include whether or not the life insurance company will require a medical exam and if your health condition will be considered.
Can seizures affect your life insurance rates?
No, seizures will not affect your life insurance rates if you qualify for a first-day coverage plan.
Can seizures medication affect my premium?
No, your seizure medication will not affect your premium. Even though seizures can be serious, they are not usually considered fatal conditions in life insurance.
Can I qualify for cremation insurance with a history of seizures?
Yes, you can qualify for cremation insurance with a history of seizures. Cremation insurance is a type of life insurance that does not require a medical exam; therefore, your health condition will not be considered.
What is my best insurance option if I have seizures?
The best insurance option for people with seizures is to choose a company that offers first-day coverage for people with seizures.
Can I get funeral insurance if I had seizures?
Yes, you can get funeral insurance if you have had seizures in the past. Funeral insurance is a type of life insurance that does not require a medical exam, and therefore your health condition will not be taken into account.
Do I need to take a medical exam if I have seizures?
No, you will not need to take a medical exam if you have seizures. You can still qualify for life insurance coverage without a medical exam.
Can you be denied insurance for seizures?
No, you cannot be denied insurance for seizures. Even though seizures can be serious, they are not usually considered fatal conditions in life insurance.
Can you get first-day coverage insurance if you have seizures?
Yes, you can get first-day coverage insurance if you have seizures. This type of life insurance does not require a medical exam, so your health condition will not be considered.
Is there an age limit for burial insurance with seizures?
You can apply for burial insurance if you are 18-85 years old.
What are some things to keep in mind when getting life insurance with seizures?
Some things to keep in mind when getting life insurance with seizures include whether or not the life insurance company will require a medical exam and if your health condition will be considered. You can still qualify for first-day coverage without a medical exam.
