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Regardless of what causes your seizures, you are probably well aware they make it difficult to buy life insurance.
Here’s some amazing news.
Seizures are a complete non issue with many insurance companies when it comes to burial life insurance.
That’s right. You can easily qualify for level rates with multiple companies in spite of a seizure condition. This will mean immediate protection, and the lowest rates possible. More times than we can count, we have assisted folks secure a burial policy like this. You are in luck because today, we are going to completely reveal all there is to know about final expense life insurance with seizures.
This piece will show you very clearly how funeral insurance companies underwrite seizures, what kind of impact, if any, they could have on your policy, and a bulletproof plan to find the best burial policy.
An Amazing Truth About Burial Insurance With Seizures
If you have a history of seizures and have been trying to get burial insurance, we hope you aren’t too frustrated. It’s quite common for lots of companies to respond negatively to this kind of health condition. If this has been happening to you, it’s only because you haven’t yet spoken with a company that specializes in burial insurance (like we do).
The truth is there are many burial insurance companies that will take applicants with seizures or seizure medications, and NOT charge the a higher premium or impose a waiting period on the policy. At the same time, there are companies that will flat out decline you, or place you into a higher risk category (higher prices & waiting periods). Hopefully, you can and do qualify with one of the insurance companies that freely accept seizure applicants.
Want to know something else reassuring?
Final expense life insurance policies will NEVER require you to undergo a physical or medical exam. You will never need to endure a stranger in your home at any point. Literally, you will only answer some basic health questions.
Ultimately, life with a seizure condition can have its ups and downs. There are many great treatments available today that will allow you to lead a comfortable wonderful life. With that, your seizure history will not impede your ability to secure affordable burial insurance. No matter what your health condition, we can get you approved for something, and it won’t cost your life savings.
First and foremost, if you have epilepsy, please read our complete guide on burial insurance with epilepsy. It is very complete, and will give you a very clear understanding of what to expect.
If you don’t have epilepsy, and have seizures for any other reason, please read on.
The way final expense life insurance companies underwrite is very black and white. Essentially, they all ask about various health conditions where the answer is a simple yes or no. They will always ask you if you have a condition or you don’t. In the end, their entire goal is simply to discern whether or not you satisfy certain conditions or not.
Every burial insurance company will ask you a series of health questions. Every carrier has their own unique set of questions they will ask. In addition to the health questions, 98% of insurance companies will run a prescription history check to see what medications you have taken. Your medication history will enable them to validate your health status.
Once you have answered their health questions, and they have checks your prescriptions, they can render a decision.
The Health Questions
In regards to seizures, funeral insurance companies could make reference to them in their health questionnaire in one of two possible ways:
- They specifically use the word “seizure” in a question(s).
- They don’t use the word “seizure”. Instead, they use a general term such as “neurological condition”.
Here Are Some Examples Of How You Will See Them Ask About Seizures
- In the last 2 years, have you had, taken medication for, or been treated for seizures?
- Have you ever been diagnosed as having or been treated for a seizure disorder?
As you can see, they may tie a specific time frame to them or they may not. If you had a seizure issue in the past, you will find that many companies will no longer care about it since it was in the past (depending on how long ago of course).
As we previous mentioned, every burial insurance company will run a prescription history check in conjunction with their health questions. When it comes to seizures, they know what sorts of medications are used to treat them.
If you are taking any of the below medications, there is a very good chance that the insurance companies will view you as a person with a seizure condition. Even if you fail to reveal your diagnosis to them, the presence of these drugs in your pharmacy history will give it away for you. There really is no hiding it if you have filled a prescription for these medications.
- 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)
It’s definitely possible there may be others outside of these, but these are surely the most common ones burial insurance companies look out for.
Final Expense Expectations With Seizures
First and foremost, the outcome of a burial insurance application will vary greatly depending on which carrier you apply with. With that, below is a list of 4 possible responses a final expense life insurance company could take once you answer yes to their seizure question or one of those medications shows up in your file.
1) They Charge You More Money And Impose A Waiting Period
In this situation, the insurance company is essentially putting you in their highest risk category. Not only will you pay a monthly premium that is 30-100% higher than a non seizure applicant would pay, but you would not actually be covered for 2 years. Basically, if you die within he first two years of the policy, the will refund all your premiums plus interest.
2) They Charge You A Little Bit More Money And Pay Out Some Benefits Right Away
Plans such as these are typically called “graded” plans by most funeral insurance companies. Not all carriers will use that name, but most will. Basically, you pay anywhere from 15-50% more money, and they limit the death benefit for the first two years.
Usually they will offer to pay out 30-40% of the death benefit if you should pass away during the first 12 months. If you pass away during the second year, the payout is somewhere between 70-80%.
3) They Decline You
Although extremely uncommon, there are some carriers that simply don’t want to accept applicants who have had or have seizures. To them, it’s a risk they just don’t want to take on.
But you know what?
It doesn’t matter because there are tons of companies that will!
4) They Gladly Accept You With No Penalties Whatsoever
Just as the title claims, there are burial insurance companies that are extremely welcoming of applicants who have seizures. To them, an applicant with a seizure condition is the same as a person in perfect health.
If you go with one of these companies, they will offer you the lowest rate possible, and full immediate protection from day one. If you have a seizure disorder, we sincerely pray you don’t have other health issues that prevent you from qualifying with one of these companies.
How To Find The Best Burial Insurance With Seizures
In case it’s not painfully obvious to you yet, the best final expense life insurance plan will be provided by one of the companies that freely accepts seizure applicants.
Here’s the deal.
Your job is to find a qualified company to find those companies for you. Here is a full proof formula that if followed will surely lead you to the promised land.
To find the best burial insurance with seizures, you absolutely must work with a very seasoned independent final expense brokerage that represents lots of various insurance companies. They will sort through all the carriers to find you the best deal possible regardless of which one it happens to be.
You might be wondering- Where is a company like that?
That one is easy. Choice Mutual is that company. Final expense life insurance is all we do, and we work with many highly rated burial insurance companies. We will quickly evaluate your situation and compare plans from multiple life insurance companies. In the end, we will select whichever plan from whichever company that suites you and your family the best.
If you decide to work with another company, please follow that formula. There are some insurance agents and companies out there that don’t represent but one company. If you deal with them, they can’t shop around for you like an independent agency can. You will almost certainly not get the best burial insurance plan for you and your family. This is particularly true if you deal with some high risk health issues.
If you want to pay less on your funeral insurance, give us a call at 1-800-644-2926. We will save you time and money.