What you need to know about burial insurance for seizures in 2023 is that navigating life with a seizure disorder or epilepsy doesn’t have to be a journey paved with insurmountable obstacles.
Yes, it’s a path filled with unexpected challenges, especially when contemplating the future and the thought of securing life insurance, more specifically, burial insurance.
However, having pre-existing conditions, like epilepsy or seizure disorders, should not serve as barriers to providing financial security for your loved ones.
This guide aims to break down the complexities of burial insurance for seizures, arming you with the essential information to safeguard your family’s financial future.
- 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
Could it be that you’re pondering whether epilepsy is classified as a pre-existing condition? It’s a common question, and one we often encounter in our field.
The answer varies across different insurance companies.
Some insurers are quite lenient when it comes to seizures, whereas many others will indeed inquire about seizures during their underwriting process.
When an insurance company asks about a specific disease or disorder, it often indicates they consider it a potential concern.
Therefore, if you have epilepsy or a seizure disorder, they may only offer you policies at higher premiums, typically accompanied by a waiting 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.
Alternatively, if a particular health issue or procedure wasn’t brought up during your application, it implies that the insurance company doesn’t consider it a concern.
In this case, they are likely to offer you a simplified insurance plan, provided that’s your only health circumstance.
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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.
Suppose you’re on the hunt for an insurance carrier, but your parents haven’t received approval from any of the carriers providing day one coverage.
In that case, it might be time to consider the guaranteed issue policy.
Yes, this option comes with a two-year waiting period, but it’s crucial to remember that having some coverage, even with a delay, is significantly better than having none at all.
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.
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Securing Top Burial Insurance with Seizures
Discovering the ideal burial or final expense insurance when dealing with seizures might seem complex. However, this guide will streamline the process, highlighting what you should seek in an insurance plan and the company behind it.
Firstly, your eyes should be set on an insurance company that offers the most affordable monthly premiums.
Next, you’d want to find a firm that can provide a straightforward plan designed specifically for individuals with seizures.
Additionally, the policy should offer a high benefit payment that secures your financial protection swiftly.
Finally, ensure that the insurance company boasts financial stability, backed by a solid reputation and successful history.
At InsuranceForBurial.com, we commit to offering you these coverage qualities, regardless of your health condition, including seizures.
We take pride in having assisted numerous clients experiencing seizure attacks, aiding them in securing straightforward plans from the nation’s highly-rated insurance companies.
These companies have withstood industry challenges and the test of time.
As an independent insurance agency, we boast a team of experienced Final Expense Insurance Specialists.
These professionals have a deep understanding of the underwriting questions and rates of each high-ranking burial or final expense insurance company we represent.
Our team’s passion drives us to ensure EVERYONE gains the best possible burial or final expense insurance coverage available in the market, regardless of their health concerns.
Using your health details as our guide, we provide you with the best options tailored to your specific situation.
All it takes is a 10-minute phone call. During this time, we’ll present you with multiple top-rated A+ carriers, supporting you throughout the entire process.
We invite you to experience our dedication first-hand. Our process is straightforward, devoid of pressure, and focused entirely on your needs. Allow us the opportunity to demonstrate our commitment to you.
In conclusion, securing burial insurance for seizures isn’t just a financial decision; it’s an act of love and foresight.
It’s about taking steps today to protect your family in the future, ensuring that they won’t bear the financial burden of funeral costs.
Remember, regardless of pre-existing conditions like epilepsy or seizure disorders, you have options.
Don’t let uncertainty or fear hold you back.
Take control of your family’s financial security today, one policy at a time.