Principal, LifeNet Insurance Solutions, Redmond, WA
Yes you can in most cases, although you will pay a higher price than a "standard" risk would at the same age. When you find an independent life agent that you feel comfortable with, give as much information as you have such at date first diagnosed, all medications that you currently take whether or not they involve this disease. The agent will then be able to guide you and give some alternatives depending on how much coverage you wish to purchase.
Co-Founder, TermInsuranceBrokers.com, Goldenzweig Financial Group, Las Vegas, Nevada
Epilepsy is a disorder of the brain and nervous system involving repeated random seizures that occur without warning. If you have been diagnosed with epilepsy and are trying to purchase life insurance, the severity of the disease can have an effect on the rates you pay. Life insurance companies will want to know a number of factors to make an accurate risk assessment including:
1. What age were you diagnosed with epilepsy?
2. Do you have Grand Mal, Petite, or Focal seizures?
3. When was your most recent seizure? How many have you had in the last year, 2 years, 5 years, etc.?
4. Have you ever been hospitalized for epilepsy?
5. Are you taking prescription medication to control symptoms?
6. Are you a smoker or tobacco user?
7. What is your height/weight?
8. Any other co-morbid conditions such as diabetes, obesity, heart disease, etc?
If you have been diagnosed with epilepsy, you should not apply with multiple companies at the same time - this can work against you as it will act as a sort of red flag for the insurance companies (they will see that you've applied for multiple carriers and what the outcomes were during the MIB check (Medical Information Bureau)). The more companies that give you a table rating or decline coverage on a formal application, the less likely you are to get a better offer.
You need the help of an independent life insurance agent that can shop your medical profile informally. We specialize in high risk life insurance and make sure you are getting the best possible offer - we're licensed in many states around the country. Send me a message if we can be of assistance securing a policy for you - my contact information is available on my profile.
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1. What age were you diagnosed with epilepsy?
2. Do you have Grand Mal, Petite, or Focal seizures?
3. When was your most recent seizure? How many have you had in the last year, 2 years, 5 years, etc.?
4. Have you ever been hospitalized for epilepsy?
5. Are you taking prescription medication to control symptoms?
6. Are you a smoker or tobacco user?
7. What is your height/weight?
8. Any other co-morbid conditions such as diabetes, obesity, heart disease, etc?
If you have been diagnosed with epilepsy, you should not apply with multiple companies at the same time - this can work against you as it will act as a sort of red flag for the insurance companies (they will see that you've applied for multiple carriers and what the outcomes were during the MIB check (Medical Information Bureau)). The more companies that give you a table rating or decline coverage on a formal application, the less likely you are to get a better offer.
You need the help of an independent life insurance agent that can shop your medical profile informally. We specialize in high risk life insurance and make sure you are getting the best possible offer - we're licensed in many states around the country. Send me a message if we can be of assistance securing a policy for you - my contact information is available on my profile.