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Trying to secure burial insurance with epilepsy isn’t as difficult as you might think.
This may surprise you…
There are lots of funeral insurance companies VERY accepting of this condition. We have a rich history of helping folks with epilepsy secure affordable final expense insurance. Today, we are going to pull back the curtain on burial insurance with epilepsy so you can realize the path to your best burial plan.
This piece will show you exactly how insurance companies could respond to epilepsy, and what your choices will be. Best of all, we will show you very clearly just how you go about finding the best funeral insurance with epilepsy.
Here’s The Real Deal About Burial Insurance With Epilepsy
As you may or may not know, every life insurance company has its own underwriting criteria. Some accept conditions that others do not, and vice versa.
The truth is, seniors with epilepsy shopping for burial insurance will find there are a good amount of companies that willing accept this condition with no penalty whatsoever. With these companies, epilepsy applicants pay no more for their insurance than a person without it would. On the other hand, some companies will impose various penalties to applicants with this health issue. Hopefully, you don’t have another health issue that prevents you from qualifying with one of the insurance carriers that DOES accept epilepsy.
Here are 2 really cool facts
- No matter how good or bad your health is, we can help you get coverage. We can get anyone a policy. Make no mistake, we will work hard to find you the best one.
- Burial insurance plans never require any physicals or medical exams. Furthermore, you won’t even need to provide your doctor records. There are only health questions. In some cases, there are actually no health questions.
Epilepsy is a life altering condition that affects many Americans. We are elated that we have been able to offer affordable funeral life insurance coverage to these folks. Give us a call so we can help you too.
Epilepsy Underwriting For Final Expense
It’s important to understand that burial insurance companies will assess your health in two main ways to determine what you are eligible for. They ask you their health questions, and they scour your prescription history to validate your health history.
The Health Questionnaires
First are the formal health questions. They are always a simple yes or no. Your answers to these overwhelming dictate what options you have.
In the case of epilepsy, there are various health questions that come into play. You will need to pay close attention to the questions that touch on the following matters:
- The epilepsy itself
- Home health care
- Needing assistance with daily activities of living (eating, dressing, bathing, toileting, & taking medication)
- Wheelchair usage
- Neurological conditions
In additional to the health questions, they will also analyze your prescription history. Since epilepsy is typically treated with drugs, burial insurance companies know which ones to look out for. Below is a list of drugs that are typically flagged for epilepsy. If you are on these, most companies will view you as an epilepsy patient regardless of how you answer the health questions.
Two quick things to keep in mind
1) If you DON'T have epilepsy and are on any of these drugs, don't worry. There are many companies that won't penalize you for these if you don't in fact have epilepsy. 2) If we are applying with one of the companies that willing takes in epilepsy applicants, none of these drugs will be a problem for them.
- Carbamazepine (Carbatrol or Tegretol)
- Diazepam (Valium)
- Lorazepam (Ativan)
- Clonazepam (Klonopin)
- Eslicarbazepine (Aptiom)
- Ethosuximide (Zarontin)
- Felbamate (Felbatol)
- Locasamide (VIMPAT)
- Lamotrigine (Lamictal)
- Levetiracetam (Keppra)
- Oxcarbazepine (Oxtellar XR, Trileptal)
- Perampanel (Fycompa)
- Phenytoin (Dilantin)
- Pregabalin (Lyrica)
- Tiagabine (Gabitril)
- Topiramate (Topamax)
- Valproate (Depakene, Depakote)
- Zonisamide (Zonegran)
There could be other recurrent seizure medications out there they have flagged, but this covers most of them.
Here’s What To Expect
When you have epilepsy, the insurance carriers will have one of the following four responses. Every funeral insurance carrier has different underwriting, so they all respond in their own way.
1) They Have No Response
There are absolutely final expense life insurance companies out there that are perfectly fine with epilepsy. They will charge you the same rate as someone who is in perfect health who has no conditions of any kind. Hopefully, you don’t have any other health issues that prevent you from qualifying with these companies.
2) They Offer You A Modified Plan
Basically, this kind of plan comes with a full two year waiting period, and they charge you anywhere from 30-100% more money. Honestly, there is no reason to accept a plan from a company that does this because it would be far cheaper to just go with a no health question guaranteed issue burial insurance policy.
It would also come with a two year waiting period, but it would be a lot cheaper. You would only pay 15-40% more which is a lot less.
3) They Offer You A Graded Plan
These ones typically cost like 15-50% more, but they do come with some form of immediate protection. Usually they will pay out 30-40% of the benefit if death occurs during the first year. Moreover, they will pay out 70-80% of the benefit if death should occur during the second year of the policy.
After two years has gone by, you are fully protected for the rest of your life.
4) They Out Right Decline You
It’s a reality with some companies to get flat out declined due to epilepsy. Some insurers just do not want to deal with this risk.
What about the other health questions that need to be considered?
Like we mentioned earlier, other than the epilepsy itself, you need to pay attention to other variables the insurance company will likely mention in their health questionnaire.
Below you will find a pretty detailed explanation of what to expect when answering those other health questions.
Home Health Care
In this scenario, you would be ineligible for any kind of underwritten burial insurance with almost every company out there. There is one burial insurance company (Royal Neighbors of America) that is perfectly fine with someone receiving home health care.
However, they place epilepsy applicants into their graded category. As stated, this means they will charge you a higher monthly premium. In addition, they limit the amount of benefits they payout during the first two years. They would pay out 30% of the death benefit if you pass away during the first year, and they will pay out 70% if you pass away during the second year.
If you have epilepsy and are receiving home health care, this is the ONLY way you will be able to secure any sort of immediate protection.
Assistance With Daily Activities Of Living
This one is exactly the same as above. Royal Neighbors is the only final expense life insurance company that is accepts applicants who need assistance with bathing, dressing, eating, or toileting etc.
The best you can get with them is their graded plan. They do ask about epilepsy, and when you say yes to that question, they place you in their graded category.
Just like with home health care, if you need help with your ADL’s and have epilepsy, this is the ONLY way you will get any sort of instant protection.
You will find that every burial insurance company will ask about wheelchair usage. You will see them ask about wheelchair usage in one of the two ways below:
- Are you confined to a wheelchair
- Are you confined to a wheelchair due to a chronic illness or disease?
Regardless of which way you see the wheelchair question appear, you would need to respond with a yes answer. If you are wheelchair bound due to epilepsy, you satisfy both conditions regardless of how they ask about it.
Unfortunately, the sad part is wheelchair questions ALWAYS appear in an insurance companies knockout section. If you say yes to any question in their knockout section, you are totally ineligible for coverage with them.
If you have epilepsy and are wheelchair bound because of it, the only way you can get a policy would be to take out a guaranteed issue life insurance policy. These have no health questions or medical checks. They do cost more, and come with a two year waiting period. Regardless of the penalties associated with guaranteed issue plans, there are no other options.
Thankfully there are companies like Gerber Life that offer these plans. Without them, there would be no way for people in this situation to secure coverage.
Epilepsy is merely recurrent seizures. You will find that some burial insurance applications will not ask if you have epilepsy, but they may ask about seizures. If they ask about seizures and not epilepsy, you should definitely say yes to the seizure question.
What to expect will depend on what company you are applying with. A little bit above, we went over the four ways an insurance company could respond to epilepsy. It will be one of those four.
It’s not at all uncommon for some final expense companies to not use the word epilepsy. However, what some of them will do is ask if you have or have been treated for any neurological conditions.
If you have epilepsy and they ask if you have or have been treated for any neurological condition, you should absolutely give a yes answer. As noted above, they will respond in one of four ways. The exact response you get just depends on which company you are applying with.
How To Find The Best Burial Insurance With Epilepsy
As you can clearly see, there are MULTIPLE variables to consider with this condition. Ultimately, the best case scenario would be to get you approved with one of the carriers that charges epilepsy applicants the same as people who don’t have it. Hopefully there is no other condition that would prevent you from doing so.
To find the best burial insurance with epilepsy, its critical you work with a very experienced independent final expense agency (like Choice Mutual) that represents lots of different insurance companies. At the end of the day, an agency like this will compare quotes from all the burial insurance companies in your state to see which one is the lowest and covers you the soonest.
One thing to not minimize is the importance of experience. It takes many years to master the underwriting with all the various funeral insurance companies out there. It’s this knowledge that allows an agency like us to know which carriers would view your particular health situation the best. This is especially true when it comes to epilepsy considering the number of variables involved.
If you have epilepsy and need burial insurance, lets us go to work with for you. We will give it to you straight regarding your options. No matter what, we will find you which company will offer you the best deal. Call us or fill out the quote form with your phone number and we will call you as soon as possible.