If you have epilepsy, it can be frustrating to search for epilepsy burial insurance or seizure disorder burial insurance. You may think that you won’t be able to apply for life insurance coverage or if you get coverage, it will be extremely expensive. For this reason, you may be putting off your search for life insurance coverage for some time.
Can you get life insurance if you have epilepsy? Yes, but you may be rated differently depending on the insurance company. You may not be automatically denied depending on the severity and frequency of your episodes.
For epilepsy burial insurance, the life insurance underwriter will take a closer look at your medical history before approving your policy.
If you can show that your health condition is well managed, you will be approved for better-priced burial insurance. If you are diagnosed with epilepsy, it is important to know that obtaining final expense life insurance is possible.
Funeral Funds is well versed in providing affordable burial and final life insurance for epileptics and other pre-existing conditions.
We will help evaluate your needs based on your medical record history. If your health condition is well managed, we will find you burial insurance coverage that will fit your budget and insurance needs.
FOR EASIER NAVIGATION:
WHAT IS EPILEPSY?
Epilepsy is a neurological disorder that causes recurrent seizures or convulsions over time.
Seizures are disturbances in movement, consciousness, and sensation which are generally controlled by the brain. A person is diagnosed with epilepsy if they have two unprovoked seizures that were not caused by some known and reversible medical conditions like extremely low blood sugar or alcohol withdrawal.
There are two main types of seizures. Partial seizures are affecting just one part of the brain. Generalized seizures affect the whole brain. A mild seizure can last a few seconds where you lack awareness.
Stronger seizures can cause spasms and uncontrollable muscle twitches that can last a few seconds to several minutes. During an active seizure, some people may become confused or lose consciousness.
Epilepsy symptoms vary from person to person. Some people may have a lack of awareness, while others have violent shaking and loss of consciousness. If you are currently being treated for epilepsy, there is a possibility that you will pay a slightly higher rate for life insurance.
Epilepsy can be triggered by different conditions that affect a person’s brain. Some of the causes include:
- Brain tumor
- Traumatic brain injury
- Central nervous system infection
TYPES OF EPILEPSY
There are a few types of epilepsy that the insurance company will need to understand to get you into the best burial insurance policy.
Absence seizure (Petit Mal) this is a milder type of seizure that causes unconsciousness without convulsions. A seizure may begin suddenly and occurs without any warning signs. People experiencing absence seizures may appear to stare without moving. Usually lasting less than 15 seconds, it may look like the person is daydreaming.
Tonic-clonic or convulsive seizures (Grand Mal) during tonic-clonic seizure a person initially stiffens and loses consciousness followed by spasms, causing them to fall to the ground. The seizure will last one to three minutes but may last up to five minutes. This continuous seizure state is a life-threatening medical emergency that requires immediate medical help.
Atonic seizures (drop attacks) – atonic seizures cause the muscles to go limp. Without warning a person abruptly loses consciousness, collapses and falls to the floor. There are no convulsions, but there is a danger of hitting the head as they fall. After a few seconds, a person may gain consciousness and can stand and walk again.
Clonic seizures – during a clonic seizure a person may lose control of bodily functions and begin to spasm and jerk in various parts of the body. He may temporarily lose consciousness as the spasms gradually subside until they cease altogether. It is common for the person to let out a deep sigh, after which normal breathing resumes.
Tonic seizures – during a tonic seizure, the epileptic’s muscles initially stiffen, and the person loses consciousness. His eyes roll back into their head as the muscles contract and the back arches. As the chest muscles tighten, breathing becomes hard for the person – the lips and face may have a bluish hue, and the person may begin to make gurgling noises.
Myoclonic seizures –myoclonic seizures may involve sudden muscle jerks in parts or all of the body. A hand may suddenly fling out, a foot may kick, a shoulder may shrug, or the entire body may jerk. It can happen as a single event or in series. A myoclonic seizure may cause a person to spill or drop what he is holding or to fall from a chair.
As of 2015, the following statistic shows the significance of epilepsy:
- 2% of the US population had active epilepsy.
- 4 million people are affected by epilepsy nationwide.
- 3 million adults have epilepsy.
- 470,000 children have epilepsy.
- One in every ten people will experience a seizure in their lifetime
- Epilepsy is more common than Cerebral Palsy, Parkinson’s disease, and Multiple Sclerosis combined.
LIFE INSURANCE FOR EPILEPTICS
Life insurance applications for people with a pre-existing condition like epilepsy are handled differently from healthy individuals.
People with epilepsy are considered high risk by insurance companies because studies have shown that the life expectancy of epileptic can be reduced by up to 2 years. The decrease in life expectancy can be as high as ten years for people diagnosed with symptomatic epilepsy.
Factors that lead to a risk of an early death include:
- Accidents may occur during seizure-like choking, falling or drowning.
- Epilepsy can be a result of a medical condition such as a stroke or a tumor.
- Some may die from Sudden Unexpected Death in Epilepsy (SUDEP)
To an insurance company, these factors can be influential in assessing risk.
It’s not so much about the actual seizures that life insurance carriers fear when underwriting an applicant with epilepsy. It’s the accident that could lead to death from a direct result of a seizure.
The three most important factors considered in health class assignment:
- Type of seizure you have
- The date of your last episode
- Frequency of seizures
Life insurance companies are concerned that applicants with epilepsy are taking the proper precautions to keep their condition under control. If you have a history of absence seizures and your epilepsy is well controlled (meaning you do not have any seizure in the last two years), you will qualify for level burial insurance rates (the best rates available).
If you are a more severe seizure sufferer, you can consider getting coverage from one of the top-rated burial and guaranteed issue final expense insurance companies.
WHAT ARE LIFE INSURANCE UNDERWRITERS LOOKING FOR WITH EPILEPSY BURIAL INSURANCE?
The underwriter will be asking about your medical history and lifestyle. They will also be looking at the following aspects of your history with epilepsy:
- Date of initial diagnoses
- Date of the most recent episode
- Frequency of episodes
- Known cause for the seizure
- The specific type of seizure you have (absence seizures, tonic-clonic, tonic, clonic, tonic or myoclonic seizures)
- Category of the seizure (partial or generalized)
- How severe are the seizures
- Treatments or medications
- Symptoms that come with your episodes
- Are you driving or do you partake in hazardous activities
We, at Funeral Funds, will work with you to fit you into the best plan. We will help you answer the applications properly so that you are able to get the best rating and the lowest burial insurance premium.
HOW TO PREPARE FOR EPILEPSY BURIAL INSURANCE APPLICATION
There are necessary measures that you can take to prepare yourself before applying for epilepsy burial insurance. Preparation will help your chances of getting approved for the best rating class and prices possible.
Here are some tips to get you the best position to win:
- Visit your doctor as recommended. Keep up with your doctor’s appointment regularly.
- Follow your doctor’s advice regarding medication and follow through with your treatment plan. If you can prove, you have no trouble with taking medication you have a better chance of getting the best final expense plans and prices.
- Know if your seizures are idiopathic (without a known cause) or symptomatic (due to identified stressor or substance) if your seizures are predictable, they may come with a lower risk.
- Make sure your medical records are up to date with regular doctor checkups. The life insurance carrier will rate your application poorly if it is unable to determine if your condition is under control.
- Get any other complications under control. For example, if you are hypertensive make sure you are taking your blood pressure medications.]
HOW TO GET LOWER RATES FOR EPILEPSY FINAL EXPENSE INSURANCE
The life insurance carrier WILL NOT require you to take a medical exam before they approve your application for a burial insurance policy.
Before you apply for a TRADITIONAL life insurance policy, many people will want to do the following:
Lose extra weight. Losing excess weight can affect your overall health and your insurance rates. Losing weight will lower your blood pressure, cholesterol level, and reduce your risk or having complications later in life. Being overweight increases your chances of having cardiovascular problems and becoming diabetic. The higher your chances of having health problems, the more risk you are to the insurance company, the higher your premiums.
Kick a bad habit. Kicking bad habits like smoking is an excellent way to save money on life insurance every month. If you are classified as a smoker on your life insurance applications your premiums are higher than the ordinary applicant. Your premiums can double or even triple in some cases depending on the insurance company.
IGNORE LOSING WEIGHT & OTHER BAD HABITS when getting a burial policy. Burial insurance policies are designed to be easy to apply for, have generous height and weight allowances, and some don’t even care if you smoke.
You can forget all the hassles of a traditional life insurance policy! Epilepsy burial insurance only asks a few health questions to qualify.
Controlled epilepsy isn’t even an issue with most insurance companies!
Consult an independent life insurance broker like Funeral Funds that represent different life insurance companies for the best eligibility and pricing. We specialize in high-risk insurance cases, so we can help you choose the best life insurance company that fits your individual needs.
ALTERNATIVES TO A TRADITIONAL EPILEPSY BURIAL POLICY
Here are a few options that you may consider:
Life Insurance without a Medical Exam: All burial policies require NO MEDICAL EXAM – you will only need to answer a few health questions on the application. Epilepsy life insurance cover is ideal if you haven’t had a seizure in the last few years and you are in moderately good health and may qualify for immediate coverage with no waiting period. First-day coverage is one of the benefits for someone with epilepsy.
Guaranteed Issue Policy: A guaranteed issue policy maybe your best option if you have been declined from other plans. If you have some neurological disorders like Parkinson’s disease, Huntington disease, Alzheimer’s disease, ALS, muscular dystrophy or cerebral palsy this is the best plan for you.
If your seizures are frequent, this no medical exam and no health questions policy is your only option. The coverage for this plan is anywhere between $5,000 to $30,000 (perfect for covering final expense costs!).
If you’re looking for life insurance with epilepsy, it’s important to understand all your options.
HOW TO GET APPROVAL FOR LIFE INSURANCE WITH EPILEPSY
Step 1 – Know your reason for getting a life insurance policy. We help people with burial insurance, so if that is what you are looking for we can help you!
Step 2 – Consult an independent broker like Funeral Funds to discuss your epilepsy and overall health condition. Be upfront with your medical conditions so that we can match you with the best epilepsy friendly insurance carrier.
Step 3 – We will shop different insurance companies to find the best fit for your needs. We will reach out directly to underwriters from multiple life insurance companies to get the best deal.
Step 4 – We will discuss your best options. We will submit an application to the insurance carrier of your choice that is most favorable to your condition.
Step 5 – We will often know if you are approved or declined on the same day! If nothing turns up in the medical records or your medical exam, you are approved almost immediately with some companies. If something comes back unfavorably, we will help you find another insurance company who will accept you.
If you have any questions about getting life insurance as an epileptic, please contact us today. Call us at (888)862-9456. We would love to answer your questions. We will make sure that you will get the best rates possible.
WHAT KIND OF BURIAL POLICIES AND FINAL EXPENSE POLICIES SHOULD I AVOID?
TV AND MAGAZINE ADVERTISEMENTS – Most burial policies or final expense policies you see advertised on television or in magazines are sold as “the no-brainer way” to shop for this protection.
In reality, most of these policies rely on you having NO BRAIN to purchase them.
Just about everyone is eligible for immediate coverage and better pricing allowed by these heavily advertised policies that cost an arm and leg.
To make a long story short, it is better to shop for burial policies with a specialist in burial insurance, like FuneralFunds.com, than to sign up with a company that spends ba-zillions of dollars each month advertising on television and in magazines.
Increasing Price Policies
Those TV and magazine final expense policies may increase in price every five years or have a two-year waiting period before your benefits kick in! What in tarnation!?!
These policies aren’t all they’re cracked up to be, and you often end up at the short end of the stick by purchasing burial insurance this way.
These tricky television magazine snake oil salesmen lure you in with an attractive rate, only to have the cost of your insurance increase every five years until you cannot afford the premiums, then you must cancel your policy.
What happens after you cancel the policy?
You’ll die and will have wasted all that money because you bought a policy that increases in price as you get older. These policies just don’t cut the mustard for most folks!
Avoid policies that increase in price every year or end at a certain age. You don’t want your family to get hung out to dry when they need this coverage the most.
Why choose Funeral Funds for my burial policy?
Most life insurance agents are fine, respectable people.
There are, however, the classic “snake oil” life insurance agents, who will sell you the easiest and most expensive policy possible.
The guaranteed issue folks claim you don’t even need to talk to an agent (but you will need to wait 2 years for your coverage to begin…even if you’re healthy). Answering a few health questions will often get you immediate coverage and MUCH better rates.
Avoid these people at all costs!
For the rest of the life insurance agents, who are fine respectable people, they are most often generalists.
They deal with all kinds of life insurance policies.
They are Jack of all trades and Masters of none.
They are nice people, but they are not the logical choice if you want the best pricing and a burial insurance policy with no waiting period.
We work with 20+ final expense companies, so we can get you qualified for the best-priced plan with the intent of getting folks like you immediate coverage when possible.
We have to admit that, for the average burial insurance final expense insurance shopper, all the companies and options will often leave you more confused than a woodpecker in a concrete forest.
HOW CAN FUNERAL FUNDS HELP ME?
The reality is that inexperienced and less knowledgeable insurance agents will cost you loads of money by selling you overpriced burial and final expense policies.
Getting on affordable burial or final expense policy doesn’t have to cost an arm and a leg.
Our job at Funeral Funds is to be the most knowledgeable burial insurance experts available. By doing so, we can knock it out of the park and get you the most accurate quote and affordable rates.
Once we know more about your age and health history, we can accurately give you burial insurance quotes from the final expense companies that are the best fit for you.
It is always in your best interest to work with an independent brokerage, such as Funeral Funds.
With access to all the best final expense insurance companies, we will help you understand your best options, given your current age, health, and financial situation.