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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: Epilepsy and Life Insurance

Submitted by DBL on Wed, 2011-02-09 - 22:19

Well I am almost 61 and have nocturnal-only seizures since I was around 10 years old.  I was rejected for a savings bank life insurance (SBLI) term insurance back in my 30's but did find a company that extended universal whole life to me after much looking around through a financial advisor.

That policy is about to make dramatic increases in my premium so I am in the process of cancelling that and taking out a new policy through West Coast Life ($250,000 coverage for 15 years for $2862 a year.)

The only problem is that they are charging me a higher rate because of eplipesy and we were not able to find anyone who wouldn't up the cost for the same reason.

So my question is has anyone with eplipsy found reasonably priced life insurance without all kinds of extra strings attached due to eplipsey and if so what was the rate and what was the company (and how old are you).

 

There must be some reputable Life Insurance Companies out there that take a more nuanced view of this disease, especially for somelike me with nocturnal-only  seizures.....

 Regards,

DBL

Well I am almost 61 and have nocturnal-only seizures since I was around 10 years old.  I was rejected for a savings bank life insurance (SBLI) term insurance back in my 30's but did find a company that extended universal whole life to me after much looking around through a financial advisor.

That policy is about to make dramatic increases in my premium so I am in the process of cancelling that and taking out a new policy through West Coast Life ($250,000 coverage for 15 years for $2862 a year.)

The only problem is that they are charging me a higher rate because of eplipesy and we were not able to find anyone who wouldn't up the cost for the same reason.

So my question is has anyone with eplipsy found reasonably priced life insurance without all kinds of extra strings attached due to eplipsey and if so what was the rate and what was the company (and how old are you).

 

There must be some reputable Life Insurance Companies out there that take a more nuanced view of this disease, especially for somelike me with nocturnal-only  seizures.....

 Regards,

DBL

Re: Epilepsy and Life Insurance

Submitted by GF70 on Sat, 2013-02-23 - 14:45
Can someone recommend an attorney? Some here have said that nobody has been denied life insurance, but I was quoted a premium that was so high that I can't afford it. I consider this discriminatory and I am trying to find a lawyer. I spoke with USAA last year about life insurance. When I first spoke with them, they quoted me a premium of $88 per month. I told them that I have a history of seizures and they said that it shouldn't cause much of an increase. After the application was reviewed by an underwriter, they said it would cost $350 per month. I can't afford that and I won't pay that because I am not that much of a risk. I haven't spoken to other insurance companies but I don't expect things to be much better with them either. If someone told me that they were raising the premium to $120 because I've had seizures than that might be acceptable. But being quoted $350 amounts to being denied insurance. Thank you, Scott

Insurance

Submitted by mautzu on Thu, 2010-09-02 - 05:46

I don't know how health insurance work or which is the law about epilepsy and insurance but i know that a Let Property Insurance policy will normally cover standard perils such fire,lightning,explosion, earthquake,storm,flood, escape of water/oil, subsidence, theft and malicious damage.

I don't know how health insurance work or which is the law about epilepsy and insurance but i know that a Let Property Insurance policy will normally cover standard perils such fire,lightning,explosion, earthquake,storm,flood, escape of water/oil, subsidence, theft and malicious damage.

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