Community Forum Archive
The Epilepsy Community Forums are closed, and the information is archived. The content in this section may not be current or apply to all situations. In addition, forum questions and responses include information and content that has been generated by epilepsy community members. This content is not moderated. The information on these pages should not be substituted for medical advice from a healthcare provider. Experiences with epilepsy can vary greatly on an individual basis. Please contact your doctor or medical team if you have any questions about your situation. For more information, learn about epilepsy or visit our resources section.
Epilepsy and Life Insurance
Sun, 02/18/2007 - 10:59Comments
Re: Epilepsy and Life Insurance
Submitted by mjhorbal on Thu, 2010-08-05 - 08:26
Life insurance is available for the majority of individuals with Epilepsy. The key is to work with an impaired risk life insurance expert, someone who understands Epilepsy Life Insurance Underwriting.
Life insurance underwriters want to know:
- When did you have your first seizure?
- What Type of Seizure(s) did you have? - Absence Seizure, Simple Partial Seizure, Complex Partial Seizure, or Tonic-Clonic Seizure.
- How often do you have episodes and date of last episode?
- Do you take any medications to control Epilepsy?
What to Expect from Life Insurance Underwriting:
- Absence and Simple Partial Seizures - Within 2 years of last episode, some companies may consider you for their standard rates plus an additional 50% markup (table rating). If more than 2 years since last episode, standard life insurance rates may be available.
- Complex and Tonic-Clonic Seizures - During first year since last seizure you may be postponed or in some cases be offered standard rates plus an additional 100% markup. In years 2-5 after last episode, standard plus additional 50% markup. After 5 years, standard rates may be available.
The way to get the best possible price available is to have an impaired risk life insurance expert shop your specific medical information out to multiple life insurance companies on an informal basis. Once those companies review your information, they will give you feedback in terms of price and you can decide at that time which life insurance company is best for you. Hope this helps. Mike Horbal - LifeInsuranceAdvisors.com
Life insurance is available for the majority of individuals with Epilepsy. The key is to work with an impaired risk life insurance expert, someone who understands Epilepsy Life Insurance Underwriting.
Life insurance underwriters want to know:
- When did you have your first seizure?
- What Type of Seizure(s) did you have? - Absence Seizure, Simple Partial Seizure, Complex Partial Seizure, or Tonic-Clonic Seizure.
- How often do you have episodes and date of last episode?
- Do you take any medications to control Epilepsy?
What to Expect from Life Insurance Underwriting:
- Absence and Simple Partial Seizures - Within 2 years of last episode, some companies may consider you for their standard rates plus an additional 50% markup (table rating). If more than 2 years since last episode, standard life insurance rates may be available.
- Complex and Tonic-Clonic Seizures - During first year since last seizure you may be postponed or in some cases be offered standard rates plus an additional 100% markup. In years 2-5 after last episode, standard plus additional 50% markup. After 5 years, standard rates may be available.
The way to get the best possible price available is to have an impaired risk life insurance expert shop your specific medical information out to multiple life insurance companies on an informal basis. Once those companies review your information, they will give you feedback in terms of price and you can decide at that time which life insurance company is best for you. Hope this helps. Mike Horbal - LifeInsuranceAdvisors.com
Re: Epilepsy and Life Insurance
Submitted by just_joe on Thu, 2013-08-01 - 15:31
Getting insurance from your work is group insurance. I do not know about what happens when yo uincrease the coverage because I had the maximum from the carrier. I do know that id carriers are changed and you are coveredyou are still covered because you have already been covered by teh previous carrier. I haven't been seizure free but the ones I have are only seconds long and most people I have been around do not even know I had them.
Getting insurance from your work is group insurance. I do not know about what happens when yo uincrease the coverage because I had the maximum from the carrier. I do know that id carriers are changed and you are coveredyou are still covered because you have already been covered by teh previous carrier. I haven't been seizure free but the ones I have are only seconds long and most people I have been around do not even know I had them.