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With a rising number of Americans living with epilepsy, it’s important for people to know that they can protect themselves and their loved ones from the financial burden. Studies show that one in twenty older adults will experience a seizure or be diagnosed with epilepsy at some point in their lifetime.
With this risk, many seniors are opting to purchase burial insurance policies for seizures before they happen. This blog post discusses what is covered by these policies and how you can learn more about them today!
- How To Easily Get A Low-Cost Burial Insurance For Seizures
- Seizures And Final Expense Insurance Companies
- Seizure Underwriting Process Of Final Expense Insurance Companies
- Burial Insurance and The Health Questions For Seizures
- Prescribed Medication History Assessment
- Possible Burial Or Final Insurance Plan Offers For Seizures
- The Truth About Burial Insurance For Parents With Seizures
How To Easily Get A Low-Cost Burial Insurance For Seizures
Can you get life insurance if you have seizures? People who live with seizures face many enormous life challenges including the dreadful feeling right before going into or during a seizure.
With the mortality rate of people with persistent seizures getting high, it’s no wonder it’s very hard to buy life insurance.
Fortunately, having seizures will not be an issue with insurance companies when it comes right down to burial or final expense insurance.
We have helped countless of people dealing with seizure episodes get the lowest-priced insurance policy with immediate insurance coverage.
Yup! We helped a lot of folks with seizure without so much as lifting a finger because we already know which top-rated insurance company is going to absolutely accept applicants with seizure episodes.
We have helped a lot, now let us help you.
Seizures And Final Expense Insurance Companies
The bad news
Is epilepsy considered a pre exiting condition? There are a few insurance companies that are not strict about seizures but there are MANY that will ask about seizures in their underwriting process.
If an insurer about a disease or disorder means they are not fine with it, if you have them, you can only be offered higher premiums with a waiting time period.
In the eyes of the carrier, seizures are a pre-existing condition. Having seizures will mean a lot of changes in your daily life, especially safety because of the high risk of injury. It’s very typical for insurance companies to be meticulous with this disorder.
The good news
There are some top-rated insurance companies that are perfectly fine with seizures that they will offer the burial insurance plans at the lowest premium with no waiting time period.
This plan is usually called “simplified”, “preferred”, or “level” by the insurance companies.
In today’s advancements with medicine on seizures, there are a lot of effective anti-seizure medications and therapies that can enable seizure prone people to lead non-limiting and active life.
Actually, another good thing is that you will not be required to go through a medical or physical exam. The only things that are close to this that you have to go through are health questions and a review of your prescribed medication history.
Top-rated insurance companies recognize this that’s why seizure is not a high-risk disorder to them that they can offer low-cost burial insurance plans with no waiting period.
Seizure Underwriting Process Of Final Expense Insurance Companies
So, how can you secure a simplified burial insurance plan with seizures? You need to go through an underwriting process.
Is epilepsy classed as a critical illness? In the underwriting process of burial insurance companies, you will be asked health questions and your prescribed medication history will be up for review.
Insurance companies will ask about the following aspects of your health:
- Questions about your present and past diseases (if there’s any) and lifestyle.
- Prescribed medication history assessment.
Health questions in the underwriting
Burial or final expense insurance companies’ health questions will ask about specific diseases, treatments or procedures, tobacco use, alcohol consumption, and lifestyle.
As a general rule: On the health questions, if a health issue like diseases, disorder, condition, etc.is asked, then it’s a high risk for them. The same goes for procedures if you had it or not within a specific time table.
On the other hand, if a health issue or procedure was not asked, it means they are perfectly fine with it and offer a simplified insurance plan if that’s only your situation.
Burial Insurance and The Health Questions For Seizures
Does epilepsy affect life insurance? Many insurance companies will specifically mention seizure or will use a more general medical term that seizure is a type of.
Typically, they will be specific and use “seizure” or they will be broader and use the word “neurological condition”
Here are the common ways of how burial insurers will phrase their questions about seizure:
- In the last 24 months, have you been diagnosed or been treated for seizures?
- In the last 24 months, have you been diagnosed or been treated for a neurological condition?
Insurance companies will ask for a disease in a time period to determine the risk level of an applicant.
The price and quality of the insurance plans that they will offer will depend on when you had the disease within the asked period.
Usually, a burial insurance company will not care if you had that disease over 24 months ago.
Prescribed Medication History Assessment
Insurance companies will review your prescribed medication history to comprehensively find out if you have other diseases that they might take issues with.
Basically, by knowing what medications you were prescribed, they will know the health issues you have or had.
Below are the commonly prescribed medications for patients with seizure:
- Carbamazepine (Carbatrol or Tegretol)
- Clonazepam (Klonopin)
- Diazepam (Valium)
- Eslicarbazepine (Aptiom)
- Ethosuximide (Zarontin)
- Felbamate (Felbatol)
- Lamotrigine (Lamictal)
- Levetiracetam (Keppra)
- Lacosamide (Vimpat)
- Lorazepam (Ativan)
- Oxcarbazepine (Oxtellar XR, Trileptal)
- Perampanel (Fycompa)
- Phenytoin (Dilantin)
- Pregabalin (Lyrica)
- Tiagabine (Gabitril)
- Topiramate (Topamax)
- Valproate (Depakene, Depakote)
- Zonisamide (Zonegran)
If you are taking one of these medications, the insurance company will conclude that you had a seizure or you’re a patient with a seizure condition.
Good to know: All insurance companies will, of course, have their own rules and guidelines in assessing clients for any disease and how they will categorize them according to their risk and what kind of coverage plan they will offer.
Below are the possible offers that insurance companies will give you for if you’re dealing with seizures alone.
Possible Burial Or Final Insurance Plan Offers For Seizures
Offer #1 Highest premium with a waiting time period
This will probably mean that you are categorized at the highest risk.
The monthly premiums will cost 30 to 100% more than a person without a seizure would pay.
This will also impose a 24 months waiting period where your beneficiaries can only receive full death benefits if you pass away after the waiting time period.
If you pass away within the waiting time period, all premiums will be refunded with % interest.
Offer #2 Slightly higher premium with immediate percentage payout per period
Percentage payout per time period is usually called a “Graded” plan.
In fact, the monthly premiums will cost 15 to 50% more with a waiting time period of 24 months. Graded death benefits are usually the following:
- 30 to 40% of the full death benefit will be paid if you pass away within the FIRST 12 months.
- 70 to 80% of the full death benefit will be paid if you pass away within the SECOND 12 months.
Offer #3 Your application is declined
Some insurance companies just simply don’t want to take the risk with applicants that have recurring seizure conditions.
If you move forward with us, you won’t encounter this situation.
Offer #4 Lowest cost with immediate coverage (best plan)
This plan is usually called “simplified”, “preferred”, or “level” depending on the insurance companies.
The title says it all, this will be the best-priced insurance plan with no waiting time period- your beneficiaries can receive the full death benefit anytime starting from day one.
The Truth About Burial Insurance For Parents With Seizures
Are you looking for final expense life insurance no exam for your parents? The hard truth is most carries are an automatic decline if within a certain timeframe.
If more than 2 years diagnosed, then Royal Neighbors of America will approve you at graded. Another carrier Liberty Bankers Life will offer you standard and modified depending on the timeframe as well.
If you are looking for a carrier and your parents are not approved with the above carriers or any other day one coverage, you will have to consider the guaranteed issue policy. Yes, there is a 2-year waiting period, however, something is better than nothing.
Consider the fact if your parents are fairly young, statistically speaking, the chances of them passing away from a natural cause is slim.
Truthfully, the longer you put this task off, the more expensive it will become.
How To Quickly Find The Best Burial Or Final Expense Insurance If You Have Seizures
Here’s a COMPLETE list of the qualities that you should be looking for in an insurance plan and the insurance company that offers it:
- The insurance company with the lowest monthly premium.
- The insurance company that can offer a simplified plan for seizures.
- The policy has the highest benefit payment that can protect you sooner.
- The insurance company is financially stable with a proven track record.
We here at InsuranceForBurial.com can exactly get you these coverage qualities for having seizures.
We have successfully helped a lot of clients with seizure attacks secure a simplified plan from the country’s top-rated insurance companies that have stood the test of time and challenges in the insurance industry.
We have a masterful knowledge of the underwriting questions and rates of every top-rated burial or final expense insurance company that we represent.
We are an independent insurance agency with a team of highly experienced Final Expense Insurance Specialists that has access to the country’s top-rated A+ insurance companies that only offers top-tier insurance policies with innovative additional benefits at no extra cost.
We have the driving passion to make sure that EVERYONE gets the best burial or final expense insurance coverage in the market! No matter what their health issues are.
With us guided by your health details, we will only come back to you with the best options for your situation.
In a 10-minute phone call, we will shop you to multiple top-rated A+ rated carriers and hold your hand throughout the entire process.
Give us a chance to prove all of these to you. We promise you a simple no-nonsense interview process with no pressure at all whatsoever.
If you would like more information on seizures, Click Here.
If you have been living with seizures for a long time, it can be very difficult to find life insurance. Life is already hard enough without having to worry about being able to protect your family if something happens. Fortunately, there are companies that specialize in burial insurance for people who live with seizures and other neurological conditions like epilepsy or Alzheimer’s disease. Contact us today so we can get the process started of getting you protected from unexpected events by securing an affordable policy tailored just for you!