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This comprehensive guide will help you understand the underwriting process, and find affordable coverage to meet your needs.
Table Of ContentsSome companies may offer better (or worse) than the above.
There are several types of epilepsy, including:
It is essential to know the type of seizure that you have so that you can get the best life insurance rate for your specific condition.
The best life insurance policy for people with epilepsy depends on their circumstances.
Still, some general guidelines can be helpful for anyone.
If your last seizure was less than two years ago, you might have a standard rate plus an additional expense called a table rating.
A table rating could add 50-100% to the standard rate.
Standard life insurance rates might be available if your last seizure was over two years ago.
If it’s been five years or longer since your last seizure, a “preferred” or possibly “preferred best” rate may be possible.
Some examples of pricing are as follows:
| Time Since Last Seizure | Rating 1 2 3 4 5 | Female Rates | Male Rates |
|---|---|---|---|
| 3-6 Months | Table 4-6 | $50 – $61 | $60 – $73 |
| 7-24 Months | Table 2-4 | $40 – $50 | $47 – $60 |
| 25-60 Months | Std – Table 2 | $29 – $40 | $35 – $47 |
| 60+ Months | Std – Preferred | $22 – $29 | $26 – $35 |
The above rates as of 6-13-2024 are based on a 35-year-old non-smoker, seeking $500,000 of 20-year term life insurance – Monthly Premiums. Std = standard
If you had a Focal Impaired Awareness Seizure or a Tonic-Clonic Seizure,
Life insurance companies may offer you their standard life insurance rates and, in some cases, a standard plus rating.
Underwriters will review your medical history, including the results of any EEG (electroencephalography), MRI, or CT scans.
Underwriters need to know the following: 3
Health histories, such as stroke, depression, heart conditions like AFib, or multiple sclerosis, will affect your rate.
You can get life insurance after a seizure.
Still, most companies require you to wait 3-6 months after your last episode before offering you life insurance.
Here are some quick life insurance underwriting tips to help you get your best rate:
Epilepsy Tip # 1
Don’t run out and apply for life insurance if you were just diagnosed with epilepsy.
The reason why is that most insurance companies postpone life insurance for 3-6 months after diagnosis.
Epilepsy Tip # 2
Life insurance rates tend to improve as more time passes since your last seizure.
Life insurers may add a table rating expense of 50-150% to your rate, depending on the time since your last seizure.
If you’ve been declined in the past, don’t give up on getting life insurance. There are companies specializing in high-risk life insurance for epilepsy.
If you used the wrong life insurer, you probably never had a chance to get approved in the first place.
That’s where we can help.
We know which companies to work with and which ones to avoid.
You have questions about life insurance with epilepsy, and we have the answers.
Can I get life insurance if I have epilepsy?
Yes, you can get life insurance with epilepsy. While it may be considered a high-risk condition, many insurance companies offer coverage to individuals with epilepsy.
How does epilepsy affect my life insurance rates?
Your life insurance rates with epilepsy depend on the type and frequency of seizures, the time since the last seizure, and medications taken.
Will I be denied life insurance because of epilepsy?
Not usually. While some companies may decline coverage, others specialize in high-risk life insurance and understand epilepsy.
There is never any pressure or obligation with our life insurance service.
We’ll match you with the best companies based on your medical history.
Please take a few minutes to complete your quote request today.
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That's me, Michael Horbal, an independent licensed insurance agent. I am the owner and founder of RiskQuoter.com. I hate that many people pay too much for insurance because they end up with the wrong insurance company, agent, or both. That's why I started RiskQuoter. We're here to help you get the best insurance rates available.
