Principal, LifeNet Insurance Solutions, Redmond, WA
Generally individuals with epilepsy or seizure disorder can obtain life insurance assuming they do not have other conditions that would lead to a decline of coverage. Most good independent agents with have access to multiple carriers that will offer coverage. There are questionnaires available that will give the underwriter a more complete picture of your illness and that will allow the agent to shop your case for the best result.
That is a great question! Many people feel that they will be denied coverage if they have an issue with their health, and often don't even try to get it, so I am very glad that you asked. Unlike health insurance (where until the passing of the Affordable Care Act, or Obamacare, as it is sometimes called) you could be denied, life insurance has policies for everyone. I would suggest that in your case, you contact an independent agent, (one not tied to a single brand name) who can help you shop for one that works best for you. You should not have a problem finding a policy that will work for you. Contact me if you need help, okay? Thanks for asking!
Yes, people with epilepsy can get life insurance. If you have not had a seizure in the past 2-5 years, you may even be able to get standard rate, depending on the type of epilepsy you have.
If you are looking for a policy of $50,000 or less, you would probably be better off using a simplified issue policy (one that does not need an exam). If you are looking for a policy of $100,000 or more, then you will probably want to try to get a medically underwritten policy, which will require better control of your epilepsy, but also will take into account some variables that a simplified issue policy may simply reject.
Contact an agency that specializes in impaired risk, so that you can shop among carriers that are good for persons with health conditions. Epilepsy does not have to make you uninsurable. You just have to look at the right place to find an affordable policy.
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If you are looking for a policy of $50,000 or less, you would probably be better off using a simplified issue policy (one that does not need an exam). If you are looking for a policy of $100,000 or more, then you will probably want to try to get a medically underwritten policy, which will require better control of your epilepsy, but also will take into account some variables that a simplified issue policy may simply reject.
Contact an agency that specializes in impaired risk, so that you can shop among carriers that are good for persons with health conditions. Epilepsy does not have to make you uninsurable. You just have to look at the right place to find an affordable policy.