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Convulsions, Seizures, Epilepsy and Life Insurance in 2017.

One thing that we always try to do here at InsuranceBrokersUSA, when given the opportunity, is to try to reduce any unnecessary confusion about a particular topic and just focus on what’s important.

So… when it comes to helping folks…

Who have a pre-existing medical history of suffering from seizures, convulsions or epilepsy, this means that we don’t necessarily need to dive into the actual specifics of each of these conditions or “knit pick” over whether or not one has actually been “diagnosed” with epilepsy (vs simply experiencing the occasional seizure).

Instead…

We can focus on how “severe” your convulsions may be and use this information in determining what “type” of life insurance policy you may or may not be eligible for.  We can also use this information to begin to get an “idea” about just how much your life insurance policy will cost as well.

We can aslo “lump” these conditions together…

Because, from an underwriter’s perspective, it’s not really going to matter all that much whether or not you’ve been “officially” diagnosed with epilepsy or you’re just prone to suffer from an occasional seizure.

From an insurance underwriter’s perspective…

All of these “conditions” will be treated the same.  This is why we’ll want to focus on the “severity” of the condition, not the “diagnosis” or “term” being used to define the condition!

Common questions insurance companies will ask about your seizures:

  • When did you suffer from your first seizure?
  • How often do you suffer from seizures?
  • When was the last time you suffered from a seizure?
  • Are you taking any medications to avoid or minimize the frequency of your seizures?
  • What type of seizures do you suffer from?
    • Absence seizures, formally known as Petit mal seizures.

A type of seizure that involves a brief or sudden laps in attention.  These types of seizures generally won’t lead to a physical injury.

  • Tonic-clonic seizures, formerly known as grand mal seizures. Tonic-clonic seizures are seizures that will typically lead one to suffer from a loss of consciousness and violent muscle contractions and can last for up to several minutes.  Physical injury can occur from these types of seizures.
  • Atonic seizures, also known as, drop attacks are seizures that consist of a brief laps of muscle tone, and will usually only last a few seconds.
  • Myoclonic seizures, are brief jerky seizures that can occur while an individual is awake and conscious.
  • Have you ever been hospitalized due to your seizures?
  • Do you currently have a valid driver’s license?
  • Are you currently working now?
  • In the past 12 months, have you applied for or received any form or disability benefits.

From here, the insurance companies should have a general idea about what “types” of life insurance policies you may or may not be eligible for:

As well as what rate class you may or may not be eligible for.

Now as a “general rule of thumb”

What you’re going to find is that most life insurance companies will consider an “epileptic” or someone who just experiences the occasional seizure now and again, will still “theoretically” be eligible for a Preferred rate class when it comes time to applying for a traditional term or whole life insurance policy.

Where we may begin to run into problems is when the applicant:

  • Suffers from a significant amount of seizures on a regular basis.
  • Suffers from frequent Grand Mal seizures.
  • Has been hospitalized due to their seizures.
  • Is no longer allowed to drive due to their seizures.
  • Or is currently receiving disability benefits as a result of their seizures.

In cases like these, it’s very unlikely that the insured will be able to qualify for a Preferred rating.  The good news is that these individuals may still be eligible for traditional life insurance policy, only now they may only be able to qualify for a Standard or Table Rating.

What is a Table Rating?

A Table Rating is a rate class that falls just below a Standard or Normal rate and is usually reserved for those applicants who are deemed a “higher” risk for insurance.  In total, there are 10 total Table Rates with Table A being the best (least expensive) and Table J being the worst or (most expensive).

When it comes to those who have a pre-existing history of seizures or has been diagnosed with epilepsy what you’ll generally find is that if they are “eligible” for coverage, they will usually qualify for rates anywhere from Preferred to Table H.

What rate class will you qualify for?

Knowing what rate class you may or may not qualify for is an impossible question to answer without first knowing a little bit more about you’re particular situation.  But what we can tell you is that we here at InsuranceBrokersUSA has worked very hard at establishing qualify relationships with dozens of different life insurance companies so that when it comes time to helping our clients find the best life insurance policy that they can qualify for, we’re going to have dozens of options to choose from!

Which means that…

Rather than simply having to “hope” that one insurance company decides to offer you a great rate on your life insurance policy, we can actually “shop” your life insurance application to dozens of different life insurance companies and make them “compete” for your business!

So, what are you waiting for?  Give us a call today and see what we can do for you!

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