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Epilepsy and Life Insurance

Sun, 02/18/2007 - 10:59
I had two sets of temporal lobe seizures 8 months ago. These were the only two of my life and I have had none since - completely controlled by medication (Lamictal). Does anyone have experience - positive or negative - with getting Life Insurance after seizures? I have it through work but want to increase the amount. Not quite sure what to expect. Would appreciate any experiences.

Comments

Re: Re: Re: Epilepsy and Life Insurance

Submitted by spaznurse on Sat, 2007-05-26 - 21:52
Its a universal policy, checked with my hubby and agent and we are OK. I did not have epilepsy when we started it thank goodness so they cannot pull it. I know that if we suspected a problem and did not alert them, withheld info, or had a family history, etc..it might be different. But I am OK (or in this case my family is) :) I know I cannot increase my $$$ nor can i take out another policy. Just glad we started young. Thank God we were thinking ahead!. :) Spaznurse

Re: Epilepsy and Life Insurance

Submitted by hannah walthier on Sat, 2007-05-26 - 20:26
I'm assuming since you have life insurance through work, it's a group policy. Group policies have stricter medical guidelines, in that you either pass or you don't. I believe the standard is that you will be denied an increase in your insurance until you have been seizure free for more than 2 years. If you feel the need to increase your insurance now, I suggest looking into getting a separate individual policy. Individual policies are not as strict with medical guidelines. Instead, they charge higher premiums for higher risk individuals, or possible charge a minimum premium. My husband had to take a policy for more than we needed in order to meet the minimum premium. hannah

Re: Epilepsy and Life Insurance

Submitted by ins.america on Mon, 2011-08-29 - 12:52
this is true i have never seen coverage being taken away if someone has already signed up. With maryland health insurance there are some different laws but never taking away insurance from a person that is a client. That would be proposterous

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