Affordable Epilepsy Burial Insurance

Finding affordable epilepsy burial insurance is possible. In fact, some insurance companies don’t even ask about epilepsy or seizure disorders in their health questionnaire.

You may even qualify for first-day coverage plan. 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 epilepsy, what is your best option, and how to find the best burial insurance policy.

FOR EASIER NAVIGATION:


WHAT IS MY BEST INSURANCE OPTION IF I HAVE A HISTORY OF EPILEPSY?

Epilepsy is a neurological disorder that causes recurrent seizures or convulsions over time. If you have a history of epilepsy or seizure disorder the best option for insurance coverage is a level death benefit plan with first-day coverage.

There are some life insurance companies that don’t even ask about epilepsy and they will approve you for the best plan and the lowest rate.

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.

Best Option: Level death benefit plan with first-day coverage


WHAT TYPES OF BURIAL INSURANCE SHOULD I AVOID?

PLANS TO AVOIDWHY?
Term lifePremiums increase after 5 years. Coverage ends after 80.
Pre-paid funeral plansExpensive
Universal lifeTied with stocks
No health questions policiesWith 2-year waiting period
Plans offering "teaser rates"$9.95 per unit plans or $1 buys $30,000 coverage
Over priced plansInsurance from TV and junk mail
Plans that accept mail-in paymentsRisky
Plans that accept Direct ExpressHigh lapse rate
Plans that accept Credit CardsHigh lapse rate


WHAT TYPE OF BURIAL INSURANCE IS BEST?

FUNERAL FUNDS PLANFEATURES
1st Day CoverageYES
Lifetime CoverageYES
Rates NEVER IncreaseYES
Coverage NEVER DecreasesYES
Easy To Get ApprovedYES
FUNERAL FUNDS INSURANCE BENEFITS 
Rates Never IncreaseYes
Coverage Never DecreasesYes
No Medical ExamYes
Same Day ApprovalYes
Death Claims Pay FastYes
Builds cash valueYes
Coverage Up To Age 121 Yes


IF I HAVE EPILEPSY, DO I NEED A MEDICAL EXAM TO QUALIFY FOR BURIAL INSURANCE?

You are NOT required to take a medical exam to qualify for epilepsy burial insurance.

When you apply for burial insurance, you only have to answer some basic questions about your health. The application process is simple, and 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 EPILEPSY

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:

Most insurance companies will ask about epilepsy or seizure disorder on the health questionnaire.

Here are the different types of epilepsy the insurance companies want to know about:

  • Absence seizure (Petit Mal)
  • Tonic-clonic or convulsive seizures (Grand Mal)
  • Atonic seizures (drop attacks)
  • Clonic seizures
  • Tonic seizures
  • Myoclonic seizures

You will see epilepsy asked in different ways, either they will ask epilepsy outright, use the seizure disorder, or neuromuscular disease.

Here are some examples of how they ask about epilepsy:

  • During the past 24 months, have you been diagnosed as having or been treated for neuromuscular disease including multiple sclerosis, Lou Gehrig’s disease, epilepsy, and Parkinson’s disease?
  • Have you ever been diagnosed with or received or been advised to receive treatment or medication for epilepsy, amyotrophic lateral sclerosis, or Parkinson’s disease?
  • During the past 24 months, have you been diagnosed as having or been treated for epilepsy or seizure disorder?


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 epilepsy is typically treated with drugs, the insurance companies will be on the lookout for a specific medication.

Here is a list of medications that are typically flagged for epilepsy:

  • 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 epilepsy burial insurance will look at you as an epilepsy patient regardless of the way you answer the health questions.

Even if you fail to mention your epilepsy, the presence of these drugs in your pharmacy history will indicate that you have epilepsy.


HOW MUCH INSURANCE DO I NEED IF I HAVE EPILEPSY?

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$2,195
Removal/ transfer of remains to funeral home$350
Embalming & preparation of the body$1,005
Use of facilities for viewing & funeral ceremony$925
Hearse$340
Service car/van$150
Basic memorial printed package$175
Metal casket$2,500
Vault$1,495
Median Cost of a Funeral With Viewing and Burial$9,135
AVERAGE FUNERAL COST WITH VIEWING AND CREMATION 
Non-declinable basic services fee$2,195
Removal/ transfer of remains to funeral home$350
Embalming & preparation of the body$1,005
Use of facilities for viewing & funeral ceremony$925
Service car/van$150
Basic memorial printed package$175
Cremation fee (if firm uses a third-party crematory)$350
Median Cost of a Funeral with Viewing and Cremation$5,150
Cremation Casket$1,200
Rental Casket$995
Alternate Cremation Container$150
Urn$295


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.

PAYMENT METHODRECOMMENDED?
Savings AccountBest way to pay
Checking AccountBest way to pay
CashNot recommended
Money OrderNot recommended
Cashier's CheckNot recommended
Debit CardNot recommended
Credit CardNot recommended
Direct ExpressNot recommended
PAYMENT FREQUENCYRECOMMENDEDACCEPTED BY
MonthlyRecommendedAll Companies
QuarterlyNot RecommendedSome Companies
Semi-annuallyNot RecommendedSome Companies
AnnuallyNot RecommendedSome Companies


EPILEPSY 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 other riders 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-ONSAVAILABILITY
Terminal Illness Add-On BenefitIncluded with most plans
Nursing Home Care Add-On BenefitIncluded with most plans


INFORMATION WE NEED IF YOU HAVE EPILEPSY

When applying for final expense insurance with epilepsy, it is important to provide us as much information as possible.

We will ask you a series of health questions to get a better idea of your condition. These questions include:

  • 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

We need to know your medical condition to be able to provide you with the best recommendation. The more information we get, the better our chances of finding affordable insurance coverage.


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 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 as long as 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 EPILEPSY

All of these examples are appropriate uses for Final Expense Life Insurance:

  • Burial insurance plan with epilepsy
  • Cremation insurance plan with epilepsy
  • Funeral home insurance plan with epilepsy
  • Final Expense insurance plan with epilepsy
  • Prepaid funeral plan insurance with epilepsy
  • Mortgage payment protection plan with epilepsy
  • Mortgage payoff life insurance plan with epilepsy
  • Deceased spouse’s income replacement plan with epilepsy Legacy insurance gift plan to family or loved ones with epilepsy
  • Medical or doctor bill life insurance plan with epilepsy

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 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 for 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!


HOW CAN FUNERAL FUNDS HELP ME?

Trying to find a policy if you have breast cancer needn’t be a frustrating process; working with an independent agency like Funeral Funds will make the process easier and quicker.

We will work with you every step of the way to find the plan that fits your financial requirements and budget. You don’t have to waste your precious time anymore searching for multiple insurance companies because we will do the work for you.

We work with many A+ rated insurance carriers that specialized in covering high-risk clients like you.  We will search all those companies and match you up with the best burial insurance company that gives the best rate.

We will assist you in securing the coverage you need at a rate you can afford, so if you are looking for breast cancer funeral insurance, or breast cancer burial insurance, or breast cancer life insurance. Fill out our quote form on this page or call us at 888) 862-9456, and we can give you an accurate quote.

Funeral Insurance, Final Expense Insurance, Burial Insurance With Epilepsy Infographics

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