2022 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 a 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, 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.

Some life insurance companies don’t even ask about epilepsy; they will approve you for the best plan and 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 $100,000 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 PLAN BENEFITSINCLUDED
1st Day CoverageYES
Rates NEVER IncreaseYES
Coverage NEVER DecreasesYES
Easy to get approvedYES
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; 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 differently; they will ask about epilepsy outright, use the seizure disorder, or have a neuromuscular disease.

Here are some examples of how they ask about epilepsy:

  • During the past 24 months, have you been diagnosed with 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, insurance companies will look 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 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.


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 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-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 better understand 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 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 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 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?

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

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

We work with many A+ rated insurance carriers that specialize 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

Additional Questions & Answers On Epilepsy Burial Insurance

Is epilepsy covered in life insurance?

Yes. Most life insurance policies do not exclude coverage for pre-existing medical conditions, such as epilepsy.


Can you apply for life insurance if you have epilepsy?

Yes, you can apply for life insurance coverage even if you have epilepsy. You can even qualify for a first-day coverage plan if you have epilepsy.


Do you have to declare epilepsy to insurance?

Yes, you must declare any pre-existing medical conditions when applying for life insurance coverage. Failure to disclose a pre-existing condition can result in the denial of a claim or policy cancellation.


If I have epilepsy, is there anything I can do to get cheaper life insurance?

Yes, there are some things you can do to get cheaper life insurance if you have epilepsy. Work with an independent life insurance agent who can shop for different insurance companies to get the lowest pricing.


What is the average cost of life insurance for someone with epilepsy?

The average cost of life insurance for someone with epilepsy depends on several factors, including the age and health of the individual, the company, and the coverage amount.


What is the average lifespan of someone with epilepsy?

There is no average lifespan for someone with epilepsy, as the condition can vary from person to person. However, many people with epilepsy live long, healthy lives.


Is there a limit to how much life insurance coverage I can get if I have epilepsy?

No, there is no limit to the amount of life insurance coverage you can get if you have epilepsy. However, the cost of coverage will vary depending on the amount of coverage you need.


Is epilepsy a disability?

Epilepsy is not a disability in and of itself. However, some people with epilepsy may qualify for disability benefits through their employer or the Social Security Administration.


How does epilepsy affect insurance?

Epilepsy can affect insurance in a few ways. First, if you have epilepsy, you will likely need to declare it when you apply for life insurance coverage. Second, people with epilepsy may qualify for disability benefits through their employer or the Social Security Administration. Third, some life insurance policies do not exclude coverage for pre-existing medical conditions, such as epilepsy.


Is frontal lobe epilepsy a disability?

There is no definitive answer to this question, as the effects of frontal lobe epilepsy can vary from person to person. However, if you have frontal lobe epilepsy and it significantly impacts your daily life, you may be able to qualify for disability benefits through your employer or the Social Security Administration.


Does epilepsy get worse with age?

Epilepsy can either get worse or stay the same with age. Some people experience more seizures as they age, while others have fewer seizures. Working with your doctor to develop a treatment plan that works best for you is important.


Can Covid make epilepsy worse?

There is no definitive answer to this question, as the effects of Covid on epilepsy can vary from person to person. However, it is important to stay informed and follow the guidance of your doctor during this time.


How does epilepsy burial insurance?

There is no definitive answer to this question, as the effects of epilepsy burial insurance on a person’s life can vary from individual to individual. However, working with an independent agent who can shop for different insurance companies to get the best rates is important.


Are epilepsy patients high risk for Covid?

The effects of Covid on epilepsy patients can vary from person to person. However, it is important to stay informed and follow the guidance of your doctor during this time.


Is epilepsy a death sentence?

No, epilepsy is not a death sentence. However, seizures can sometimes be fatal, so it is important to work with your doctor to develop a treatment plan that works best for you.


Can you apply for funeral insurance if you have epilepsy?

Yes, you can apply for funeral insurance if you have epilepsy. However, the cost of coverage will vary depending on the insurance company you choose and the amount of coverage you need.


Does epilepsy shorten your life?

Epilepsy can either shorten or lengthen a person’s life, depending on the individual. Some people with epilepsy experience more seizures as they age, while others have fewer seizures. Working with your doctor to develop a treatment plan that works best for you is important.


Is epilepsy considered a disability?

Epilepsy is not a disability in and of itself. However, some people with epilepsy may qualify for disability benefits through their employer or the Social Security Administration. If you have epilepsy and it significantly impacts your daily life, you may be able to qualify for disability benefits.


How do I go about getting funeral insurance if I have epilepsy?

Working with an independent agent who can shop for different insurance companies is important to get the best rates. This agent will be able to help you find funeral insurance that meets your needs and budget.


Can you live a full life with epilepsy?

Yes, people with epilepsy can live full lives. However, working with your doctor to develop a treatment plan that works best for you is important. This may include taking medication and following a seizure plan.


What benefits can I get for epilepsy?

There are a few different benefits that people with epilepsy may be eligible for. These include disability benefits through your employer or the Social Security Administration, life insurance coverage, and funeral insurance. Working with an independent agent who can shop for different insurance companies is important to get the best rates.


What foods should epileptics avoid?

Epileptics should avoid high-sugar foods, as these can trigger seizures. It is also important to avoid caffeine and alcohol, as both of these can also cause seizures. Talking to your doctor about the best diet for you is important.


Is epilepsy a pre existing condition?

Yes, epilepsy is a pre-existing condition. Any medical condition you have before applying for insurance is considered a pre-existing condition.


Is epilepsy a mental illness?

No, epilepsy is not a mental illness. However, seizures can sometimes be caused by changes in the brain that affect mood or behavior.


Does epilepsy lead to dementia?

Epilepsy does not lead to dementia. However, seizures can sometimes be caused by changes in the brain that affect mood or behavior. This is called epilepsy-related dementia.


Are epileptics exempt from wearing a face mask?

No, epilepsy is not an exempt condition from wearing a face mask. All people must wear a face mask when they are out in public during the Covid pandemic.


Does epilepsy qualify for disability tax credit?

Yes, epilepsy may qualify for the disability tax credit. This credit helps people with disabilities and their families cover some of the costs associated with disability. If you qualify, speak to an accountant or tax specialist.


Do you have to declare epilepsy to insurance?

Yes, you have to declare epilepsy to insurance. Any medical condition you have before applying for insurance is considered a pre-existing condition. This means the insurance company will not cover any treatment costs related to your epilepsy.


Can I get cremation insurance if I have epilepsy?

Yes, you can get cremation insurance if you have epilepsy. However, the cost of coverage will vary depending on the insurance company you choose and the amount of coverage you need.


How long do epilepsy patients live on?

Epilepsy patients can live on average up to 70 years old. However, this varies depending on the type of epilepsy you have and how well it is controlled with medication.


What organs are affected by epilepsy?

Epilepsy can affect any organ in the body. However, the most common organs affected are the brain and the liver.


Is epilepsy a terminal illness?

No, epilepsy is not a terminal illness. However, seizures can sometimes be caused by changes in the brain that affect mood or behavior. This is called epilepsy-related dementia.


Does epilepsy cause brain damage?

Epilepsy does not cause brain damage. However, seizures can sometimes be caused by changes in the brain that affect mood or behavior. This is called epilepsy-related dementia.


Can people with epilepsy drive?

Yes, people with epilepsy can drive as long as their seizures are well controlled, and they meet the requirements of their state’s Department of Motor Vehicles.


Can seizures cause mental health issues?

No, seizures cannot cause mental health issues. However, seizures can sometimes be caused by changes in the brain that affect mood or behavior. This is called epilepsy-related dementia.


How do I know if I have epilepsy?

If you have had a seizure, you should speak to your doctor to find out if you have epilepsy. Not everyone who has a seizure has epilepsy. There are many different types of seizures, and not all are caused by epilepsy.


Can your immune system cause seizures?

No, your immune system cannot cause seizures. Seizures are caused by changes in the brain that affect how it works. This can be caused by a number of different things, including illness, injury, or genetics.


Does epilepsy qualify for long term disability?

Yes, epilepsy may qualify for long-term disability. This benefit helps people with disabilities and their families cover some of the costs associated with disability. If you qualify, speak to an accountant or tax specialist.


Is there a cure for epilepsy?

There is not currently a cure for epilepsy. However, seizures can sometimes be controlled with medication. There are also some different treatments available to help people living with epilepsy lead healthy, productive lives.


Is there a link between epilepsy and autism?

There is no known link between epilepsy and autism. However, seizures can sometimes be caused by changes in the brain that affect mood or behavior. This is called epilepsy-related dementia.


Is there a link between epilepsy and Alzheimer’s?

There is no known link between epilepsy and Alzheimer’s. However, seizures can sometimes be caused by changes in the brain that affect mood or behavior. This is called epilepsy-related dementia.


What are the chances of dying from epilepsy?

The chances of dying from epilepsy are low. However, seizures can sometimes be caused by changes in the brain that affect mood or behavior. This is called epilepsy-related dementia. This can increase a person’s risk of death.


How does epilepsy affect a person’s life?

Epilepsy can affect a person’s life in several different ways. It can cause seizures that can interrupt daily activities, affect a person’s ability to work, and increase the risk of death. However, many different treatments are available to help people living with epilepsy lead healthy, productive lives.


Is epilepsy a chronic illness?

Epilepsy is a chronic illness. This means that it is a long-term condition that requires ongoing treatment.

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