Life Insurance with Convulsions, Seizures and/or Epilepsy.
In this article, we wanted to take a moment and try and answer some of the most common questions we get from folks applying for life insurance after they have been diagnosed with Epilepsy or suffer from convulsions or seizures. But before we get started it’s important for us to make it perfectly clear that we here at IBUSA are not medical professionals and we’re certainly not doctors.
This is why…
Even though Epilepsy and any one of the many pre-existing medical conditions which could cause one to suffer from a seizure or a convulsion are (and should be considered) totally separate and unique medical conditions by medical professionals we here at IBUSA don’t have to view them this way.
In the “eyes” of the life insurance industry (for the most part) Epilepsy and the different pre-existing medical conditions which may cause someone to suffer from a convulsion or seizure will usually be treated the same! Thereby allowing us to “lump” all of these pre-existing medical conditions together and discuss them here in this one article.
Questions that will be directly answered will include:
- Can I qualify for life insurance if I have been diagnosed with Epilepsy (Seizures or Convulsions)?
- What kind of information will the insurance companies ask me or be interested in?
- What “rate” can I qualify for?
- What can I do to help ensure that I get the “best life insurance” for me?
So, without further ado, let’s dive right in!
Can I qualify for life insurance if I have been diagnosed with Epilepsy (Seizures or Convulsions)?
Yes, individuals can and often will be able to qualify for a traditional term or whole life insurance policy after they have been diagnosed with Epilepsy or after they have suffered from a seizure or a convulsion.
The only problem is…
That because Epilepsy and many of the conditions which might cause an individual to suffer from a seizure or convulsion can vary significantly from one patient to the next. Which means that simply “knowing” what one’s “medical diagnosis” is isn’t going to be enough information for a life insurance company to be able to make any kind of definitive decision about one’s life insurance application.
Which is why…
Once a life insurance company learns that you’ve been diagnosed with Epilepsy or that you’ve suffered from a previous seizure and/or convulsion they’re typically going to want to ask you a series of medical questions all designed to learn more about your situation and try to ascertain exactly what kind of “risk” you would pose to them should they decide to approve your life insurance application.
Medical terms defined for the purposes of this article.
As we’ve already stated before, it’s important to understand that we here at IBUSA are not medical professionals, and we’ve certainly never attended medical school, which is why the following definitions that we’re going to provide for a few terms that we will use throughout the rest of this article will most likely be woefully inadequate for a wide variety of reasons.
The good news is…
We’re not trying to cure any kind of disease here in this article, we’re simply trying to give our readers a realistic idea of what it will be like to apply for a traditional term or whole life insurance policy after being diagnosed with a pre-existing medical condition like Epilepsy. So, please forgive us in advance and just humor us as we go through the following paces so that we’re all on the same page as we begin to discuss how a life insurance company is likely to “view” your application during the underwriting process.
Epilepsy is commonly referred to as a neurological disorder that is marked by sudden and recurrent episodes of:
- Sensory disturbance,
- Loss of consciousness,
And or convulsions all of which are associated with abnormal electrical activity within the brain.
Symptoms may include:
- Temporary confusion,
- “Zoning-out” or just staring off into space,
- Uncontrollable jerking movements,
- Loss of consciousness or awareness,
- Psychotic symptoms such as unjustified anxiety, fear or déjà vu.
Epilepsy vs Seizure.
When an individual suffers from a “seizure” rather than Epilepsy, this diagnosis is usually derived because an individual has only suffered from one “attack” and the “attack” does not seem to be linked to some kind of “neurological” condition.
That might provoke one into suffering from a seizure may include:
- Abnormal levels of sodium or glucose in the blood.
- Infections within the brain.
- A traumatic brain injury.
- Congenital brain defects.
- Brain tumors.
Common conditions which may be mis-diagnosed as Epilepsy may include:
- Certain sleep disorders,
- Panic attacks,
As well as a host of other rare psychiatric disorders which can often mimic many of the common symptoms of Epilepsy as well.
What kind of information will the insurance companies ask me or be interested in?
Common questions you’ll likely be asked may include:
- How old were you when you first suffered from a seizure or convulsion?
- Have you been given a specific diagnosis?
- Have you been diagnosed with Epilepsy?
- If so, what “kind” of seizures do you suffer from?
- Petit mal or absence seizures?
- Grand mal or tonic-clonic (convulsive seizures)?
- Atonic seizures or drop attack seizures,
- Clonic seizures,
- Tonic seizures,
- Myoclonic seizures?
- Do you know what causes you to suffer from a seizure or convulsion?
- When was the last time that you suffered from a seizure or convulsion?
- In the past 12 months, how many seizures or convulsions have you suffered from?
- What treatment options are you currently pursuing?
- What medications have you been prescribed?
- Have you undergone any kind of surgical procedure to help you treat your condition or has your doctor recommended any kind of surgical procedure for you to consider in the future?
- In the past 2 years, have you been hospitalized for any reason?
- Do currently hold a valid driver’s license?
- Are you currently working now?
- In the past 12 months, have you applied for or received any form of disability benefits?
- If so, what “kind” of seizures do you suffer from?
What “rate” can I qualify for?
Now as one can see, there are a lot of factors that can come into play when trying to determine what kind of “rate” that an individual might be able to qualify for after having been diagnosed with Epilepsy or after suffering from a seizure or convulsion. For this reason, it’s pretty much impossible to know for sure what kind of “rate” you might be able to qualify for without first speaking with you. That said however, there are a few “assumptions” that we can make that will generally hold true that hopefully can provide you with a general idea what rate you might be able to qualify for.
If you are someone who has been diagnosed with Epilepsy or has suffered from a previous seizure or convulsion but currently seem to have these “conditions” under control, it’s possible that you may be able to qualify for a Standard or “Better” rate. Meaning that you may even be able to qualify for a Preferred rate.
The only problem is…
Defining how “well” an individual has their condition under control will be a highly “subjective” determination made solely by the life insurance underwriter assigned to your application. This is where having an experienced life insurance agent like those working here IBUSA can make a huge difference in the outcome of your life insurance application.
Which brings us to the last topic that we wanted to take a moment and discuss with you which is…
What can I do to help ensure that I get the “best life insurance” for me?
In our experience here at IBUSA, what we have found that works best for folks who have been diagnosed with a pre-existing medical condition where the “severity” of the condition is often “subjective” is for the applicant to make sure that they first find a true-life insurance profession who will work as an advocate for you.
Such an agent…
Will not only help guide you through the application process but also be perfectly “frank” with you about what options may or may not be possible for you.
You’ll also want to make sure that the very same agent you have chosen has access to dozens of different life insurance companies because after all, it really doesn’t matter how “great” of a life insurance agent you might have if they don’t have access to the “best” life insurance policy for you! Now does it?
You’ll want to make sure that you’re completely honest with your life insurance agent prior to applying for coverage. By doing so, you will be helping him or her narrow down what options might be the “best”
So, what are you waiting for? Give us a call today and see what we can do for you!