Securing affordable burial insurance with seizure can be a challenge, but it doesn’t have to be if you work with the right agency. We are going to reveal all there is to know about burial insurance with seizures. 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.
When it comes to burial insurance, seizures are a non-issue with many insurance carriers. There are lots of burial insurance companies that are accepting of your medical condition. You can easily qualify for level death benefit with many companies in spite of your seizure condition.
We will show you exactly just how you can go about finding the best burial insurance with a seizure. In most cases, you will be eligible for immediate coverage at the lowest possible rates.
FOR EASIER NAVIGATION:
WHAT IS SEIZURE?
A seizure is an uncontrolled electrical disturbance that occurs in your brain.
A seizure happens when there is an excess of electrical activity in the brain. Seizures can cause symptoms such as limb twitches, muscle spasms, and loss of consciousness. It can also cause changes in behavior, movements, and feelings.
If you have had more than one seizure or a tendency to have recurrent seizures, your doctor may diagnose it as epilepsy.
Having a seizure will put you at a 40 to 50% chance of having another seizure in the next two years if you don’t take medication. Most seizure disorders can be managed with medication. Taking proper medication can reduce your risk of having another seizure by about 50%.
There are many types of seizures depending on the severity. The types of seizures vary by how they begin and their location in the brain. Most seizures typically last from 30 seconds to two minutes. If a seizure lasts longer than five minutes call an ambulance, as this is a medical emergency.
WHAT IS SEIZURE DISORDER?
Seizure disorder is a term used in place of epilepsy.
You are diagnosed with a seizure disorder or epilepsy once you’ve had two or more unprovoked seizures. Unprovoked seizures occur from natural causes, such as genetic factors or metabolic imbalances in the body.
The brain’s electrical activity is periodically disrupted, resulting in some degree of temporary brain dysfunction. Some seizures cause people to stop moving or become unaware of what is happening. Others have uncontrollable shaking and loss of consciousness.
Seizure disorder is a relatively common condition that affects 0.5% to 1% of the world’s population. In the United States, 2.5 million people have a seizure disorder and about 9% of them will have at least one seizure in their lifetime.
Seizure disorders or epilepsy commonly begin in early childhood or late adulthood.
SYMPTOMS OF SEIZURE DISORDER
Signs and symptoms of a seizure can range from mild to severe, and it varies depending on the type of seizures.
Sign and symptoms of a seizure may include:
- A staring spell
- Temporary confusion
- Butterflies in the stomach
- Cognitive or emotional symptoms such as anxiety, fear or déjà vu
- Uncontrollable jerking movements of the limbs
- Loss of consciousness or awareness
When a seizure stops, patients may have sore muscles, headache, confusion, unusual sensations, and profound fatigue.
DIFFERENT TYPES OF SEIZURES
FOCAL SEIZURES – these are also called partial seizure begins in a specific part of the brain.
Their names are based on the location where they happen. They are called simple partial seizure if they originate on one side of your brain and spread to the other areas. They are called complex partial seizures if they begin in an area of the brain that affects consciousness.
Focal seizures can cause both physical and emotional effects, and it can make you feel, hear or see things that aren’t there.
About 60% of people with a seizure disorder have this type of seizure. Simple partial seizures have these symptoms: vision changes, sensory changes, dizziness and involuntary muscle twitching. Sometimes, these symptoms can be mistaken for signs of mental illness or other kinds of nerve disorders.
GENERALIZED SEIZURES – these begin on both sides of the brain at the same time. It can be very difficult to tell where the seizures originated because it spread quickly.
There are several different types of generalized seizures:
- Atonic seizures are also called drop seizures can cause a loss of muscle control, which may cause your muscle to go limp and you collapse or fall. These seizures generally last less than 15 seconds, but some people have several in a row.
- Tonic seizures cause stiffening of the arm, legs, or back muscles that may cause you to fall to the ground. These seizures last less than 20 seconds and often happen while you were asleep. Most people do not lose consciousness. If the seizure last longer the muscle may jerk a few times as their seizure ends.
- Clonic seizures are associated with muscle spasm with rhythmic and jerking muscle movement. These seizures usually affect the face, neck, and arms and it can last seconds to 1-2 minutes. This type of seizure may sometimes be hard to distinguish from myoclonic seizure, but the jerking is more regular and sustained during a clonic seizure.
- Tonic-clonic seizures are also known as grand mall seizures are the most noticeable type of epileptic seizure. When you have this type of seizure, your body stiffens, shakes and jerks, and you lose consciousness. Sometimes you lose control of your bowel or bladder. They usually last 1 to 3 minutes if it last longer people need to call emergency responder because it can lead to breathing problems or make you bite your tongue or cheek.
- Myoclonic seizures typically appear as sudden brief twitches or jerks of your arms and legs. Your muscles will suddenly jerk as if you’ve been shocked. Myoclonic seizures are brief and do not cause loss of consciousness, but they may happen repetitively and progress to tonic-clonic seizure with loss of consciousness.
- Absence seizures also known as petit mal seizures are characterized by staring into space or by little body movements such as eye blinking or lip smacking. Absence seizure usually lasts only a few seconds, and you may not remember having one. You may seem disconnected from others around you, and you don’t respond to them. These instant seizures may happen in clusters and cause a brief loss of awareness.
RISK FACTORS OF SEIZURE DISORDER
Many risk factors can increase your chances of developing seizure disorder these include:
- Developing a brain tumor
- Having a history of stroke
- Having a previous brain infection or injury
- Having a history of complex febrile seizures
- Overdosing on drugs
- Using certain recreational drugs
- Using certain medications
- Being exposed to toxic substances
- Untreated high blood pressure
- Untreated liver or kidney failure
Other factors that can increase the possibility of seizure:
- Feeling stressed
- Not getting enough sleep
- Illness or fever
- Drinking alcohol, caffeine, medicines, or drugs
- Skipping meals or overeating
- Bright lights or flashing lights
Seek immediate medical help if any of the following occurs during the seizure:
- A second seizure follows immediately
- The seizure last more than five minutes
- You have injured yourself during the seizure
- Consciousness or breathing doesn’t return after the seizure stops
- You’re experiencing heat exhaustion
- You have a high fever
- You have diabetes
- You’re pregnant
BURIAL INSURANCE WITH SEIZURES
If you have seizure history and have been trying to get funeral, cremation, final expense or burial insurance, don’t be frustrated because many life insurance companies respond negatively to your medical condition.
The truth is there are a good number of companies that are willing to accept this condition with no penalty whatsoever. It’s all about finding the company that will look favorably to your medical condition. You just have to know where to look.
Burial insurance policies will never require you to have a physical or medical exam. You will only need to answer some health questions. We have a long history of helping people with seizure disorder secure affordable burial insurance.
Your seizure history will not hinder you from securing affordable burial insurance.
Even if you have a history of seizure 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 if you don’t have any other additional health issues that prevent you from qualifying with the insurance carriers that accept seizure disorder.
UNDERWRITING BURIAL INSURANCE WITH SEIZURE
The way burial insurance companies underwrite seizure is very straightforward.
The insurance company just wants to know if you have a pre-existing condition. They will ask about various health conditions where you answer yes or no.
Every final expense company will ask you a series of health questions. Each will have their own set of questions for you to answer.
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 validate your health status.
You will see seizures asked in two ways, either they use the word seizure in a question, or they use the term neurological condition instead.
Here are some examples of how they ask about seizures:
- Have you ever been diagnosed with a seizure disorder?
- In the last two years have you been treated for seizures?
They may attach a specific time frame to the question. If you had a seizure in the last two years, you will find that many insurance companies don’t even care about your history of seizures.
WHAT MEDICATIONS WILL THE INSURANCE COMPANY LOOK OUT FOR WHEN YOU HAVE HAD SEIZURES?
Every burial insurance carrier will run a prescription history check together with their health questions (guaranteed issue policies ask no health questions).
If you have seizures, they will know what type of medication you are taking by checking your prescription records. Since seizure is typically treated with drugs, the insurance companies will be on the lookout for a specific medication.
If you are taking any of these medications, you will be considered as a person with a seizure condition.
Here is a list of medications that are typically flagged for seizure disorder:
- 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 meds, most insurance carriers will look at you as a seizure patient regardless of the way you answer the health questions.
Even if you fail to reveal your seizure condition to them, the presence of these drugs in your pharmacy history will indicate that you have a history of seizures.
WHAT ARE THE UNDERWRITERS LOOKING FOR WITH SEIZURE BURIAL INSURANCE?
When applying for funeral or burial insurance and having a history of seizure here are some of the information that the underwriters want to know:
- 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?
- Are you driving?
- Do you partake in hazardous activities?
If you or someone you know is looking for burial insurance with a seizure disorder, please don’t hesitate to call us.
We will ask you more detailed questions regarding your case to fit you into the best plan. We will assist you through the whole application process for you to be able to get the best policy and the lowest burial insurance premium.
WHAT BURIAL INSURANCE COMPANY WILL OFFER YOU IF YOU HAVE SEIZURES
The outcome of your burial insurance application will depend on which company you apply with.
Here are the different offers you will receive if you have a history of seizures:
#1 – They will decline your application
Some insurance companies will not accept people with a seizure disorder because a high percentage of deaths due to seizures are from accidents. They don’t want to deal with the risk associated with it.
If you’ve been declined in the past, don’t worry because there are lots of companies that will accept you.
#2 – They will charge a higher premium and impose a waiting period
You are considered under the highest risk category because of seizure disorder. The insurance carrier will approve your application, but they will charge a higher premium with a two-year waiting period.
You will likely pay 30-100% more, and you would not be covered for the first two years.
If you die during the two-year waiting period, the company will only refund all your premiums plus interest to your beneficiaries.
#3 – They will offer you a graded plan
They will charge you a little bit more and pay out some percentage of your death benefit if you die during the two-year waiting period.
You will pay 15-50% more, and they limit the death benefit for the first two years. They will pay out 30-40% of the death benefit if you die during the first year.
If you pass away during the second year, they will pay 70-80% death benefit to your beneficiaries.
#4 – They will accept your application with no penalties
There are burial insurance companies that look favorably to applicants who have seizures. They will charge you the same rate as people who are in perfect health.
These companies will offer you the lowest rate and immediate coverage from day one.
Hopefully, there are no other health issues that may prevent you from qualifying with one of these companies.
HOW TO GET LOWER RATES ON BURIAL INSURANCE WITH SEIZURE
When you’re ready to take the next step and purchase burial insurance coverage that you need, we advise you to do some shopping around. Take the time to compare dozens of different companies for pricing choose the one that will give the lowest rate and will cover you the soonest. It’s vital that you find a burial company that is going to view your seizure disorder more favorably.
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 that represent 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. Give us a call at (888)862-9456, and we will help you pay less for your burial insurance.
HOW CAN FUNERAL FUNDS HELP YOU?
Trying to find a policy if you have a pacemaker can be a frustrating process, 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 those companies to give you the best rate ever. 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.