Factors that Will Determine your Eligibility for Life Insurance with Epilepsy

Ross Quade | Life Insurance | 22 Dec, 2015 | No Comments


People that suffer from epilepsy have enough challenges to deal with as it is; they should not have to worry about obtaining a life insurance policy as well. Unfortunately, that is exactly what many epilepsy sufferers do. This is especially the case with the vast amount of stigma that surrounds epilepsy; stigma that comes from nothing but a lack of understanding and a negative perception of the disease. Sadly, epileptics have to go up against this prejudice when they apply for a life insurance policy, as many employees of the insurance industry have a limited amount of knowledge when it comes to the disease and so may lump epileptics all into the same mold. However, not all epilepsy cases are the same, and should be looked at individually to determine whether or not they are worthy of life insurance. Let’s take a look at the different factors that determine whether or not a life insurer will provide you with a policy.


Were You Truthful?

When applying for a life insurance policy the most important thing you can do is be entirely honest. Don’t even stretch the truth to in the slightest. It is not worth the risk, and you can either end up being denied from receiving coverage or after you pass away your family may be turned away from the benefits that they deserve if the insurer finds out that you were not entirely truthful. On top of this, life insurance companies share their information through the Medical Information Board, including your life insurance application, to prevent fraud. Your medical records will also be examined thoroughly, and so the bottom line is do not lie to underwriters no matter how severe your epilepsy is.


When Were You Diagnosed With Epilepsy?

Life insurers will look at how long you’ve been diagnosed with epilepsy when determining whether to provide you with a policy. This is because those who have been diagnosed longer are likely better equipped to handle their disease. They will have the proper information, equipment, and support to ensure that their disease remains under control. On the other hand, those who have just been recently diagnosed are more likely not to have full control of their illness and so are more likely to get into an accident because of it.


How Severe is Your Condition?

Not all people with epilepsy suffer alike. There are varying severities of the disease, and so underwriters will examine just how severe your epilepsy conditions are and what kinds of conditions you suffer from. Those with debilitating conditions will be less likely to qualify for a regular life insurance policy because of their increased risk.


What Treatments Have You Had?

Life insurers will want to know that you’ve gone through the proper procedures and neurological assessments to take care of your disease. Those that have not received the needed treatments will be seen as riskier to provide a policy to, as it indicates that their disease may not be adequately controlled and in check.


What Kinds of Seizures Do You Have?

There are many different types of seizures, each which are considered differently by underwriters. These include Grand Mal, Petit Mal, complex partial, atomic, simple partial, myoclonic, reflex and nocturnal.


When Did You Last Have a Seizure?

Underwriters look at when the last time you had a seizure was. If you have had a seizure recently, then they can compare that to the current state of health you are in to get an indication of what sort of effects seizures have on your mental and physical health.


How Many Seizures On Average Do You Have?

Understandably, underwriters will examine how many seizure you have within the span of a year when considering whether to give you a policy. Those who have an extremely high frequency of seizures will be less likely to qualify for traditional life insurance, due to the effect that it can have on their health. However, life insurers will also look at the other factors in conjunction to determine your health and if you are insurable.


How Long Do Your Seizures Last?

Underwriters will also look at the length in which your seizures last, as the longer that they do; the more likely they are to cause your body harm. They are particularly interested in knowing if your seizures last more than 30 minutes. If this is the case, then you may have a harder time finding a life insurer that will cover you.


Do You Have Other Health Issues?

One of the biggest factors that underwriters will look at is whether or not you have other health issues alongside epilepsy. Additionally, they will also look at your habits, such as whether or not you smoke.


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