How To Get Life Insurance With Epilepsy

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

How To Get Life Insurance With Epilepsy

Yes, you can obtain life insurance coverage if you have epilepsy, although your condition might impact the premiums and policy options available to you. Underwriters will look at several factors, including the type and frequency of your seizures, how well your epilepsy is managed, and your overall health, age, and lifestyle habits. If your epilepsy is well-controlled, you might qualify for better rates.

Factors Affecting Life Insurance with Epilepsy

When applying for life insurance with epilepsy, underwriters will consider the following factors:

  1. Type of Seizures: The type of epilepsy you have, whether it’s generalized or focal, will affect your insurance rates.
  2. Frequency of Seizures: How often you experience seizures plays a significant role. Less frequent and well-managed seizures can lead to better rates.
  3. Management of Epilepsy: Effective management with medication or other treatments will positively impact your application.
  4. Overall Health: Your general health, including any other medical conditions, will be assessed.
  5. Age: Younger applicants typically receive better rates.
  6. Lifestyle Habits: Non-smokers and those with a healthy lifestyle are more likely to receive favorable rates.

Policy Options for People with Epilepsy

  1. Term Life Insurance: This is often the most affordable option, especially if your condition is stable. It provides coverage for a specific period, such as 10, 20, or 30 years.
  2. Whole Life Insurance: This policy offers lifelong coverage and builds cash value over time. It tends to be more expensive but provides consistent coverage.
  3. Universal Life Insurance: This flexible policy allows you to adjust your premiums and death benefits. It offers lifelong coverage and the potential to build cash value.
  4. Guaranteed-Issue Life Insurance: This policy does not require a medical exam, making it an option for those with more severe epilepsy. However, it comes with higher premiums and lower coverage amounts.
How To Get Life Insurance With Epilepsy

Favorable Insurance Companies

Certain insurance companies are known for being more favorable towards applicants with epilepsy. These include:

  • Lincoln Financial: Known for offering competitive rates and favorable underwriting for those with epilepsy.
  • Transamerica: Provides a range of policy options and tends to be accommodating towards epilepsy cases.
  • Pacific Life: Offers flexible policy options and has a history of working with applicants with epilepsy.

Tips for Getting the Best Rates

  • Maintain Regular Medical Check-Ups: Regular visits to your healthcare provider demonstrate that you are actively managing your condition.
  • Follow Treatment Plans: Adhering to your prescribed treatment plan shows that you are taking steps to control your epilepsy.
  • Healthy Lifestyle Choices: Maintaining a healthy diet, exercising, and avoiding smoking can improve your overall health and insurance rates.
  • Work with an Independent Agent: An independent insurance agent can help you compare policies from different companies to find the best rates for your specific situation.

How We Can Help

Understanding Your Needs

The core problem we solve is finding suitable life insurance coverage for individuals with epilepsy. The symptoms of this problem include high premiums, limited policy options, and the emotional stress of securing financial protection for your loved ones. We understand the challenges you face and have the expertise to navigate them effectively.

Our Expertise and Beliefs

With 15 years of experience as an insurance agency, annuity broker, and retirement planner, The Annuity Expert believes in finding the best solution at the lowest costs. We stand against the notion that those with medical conditions should have to settle for subpar insurance options. We are committed to providing you with personalized service, attention to detail, and the best rates possible.

Life Insurance For People With Epilepsy

What We Recommend

  • Taking the First Step
    • Start by evaluating your condition and understanding how it is managed. Gather your medical records and be prepared to discuss your health history with our team. The main benefit of this step is that it helps us understand your unique situation and tailor our recommendations to fit your needs.
  • Working with Our Experts
    • In the next step, we will work closely with you to compare policies from different companies. We will help you navigate the underwriting process and find the best rates for your specific situation. The main benefit here is that you gain access to our extensive network and expertise, ensuring you get the best possible coverage.
  • Achieving Your Goals
    • Finally, we will assist you in securing the policy that best fits your needs. The positive result is peace of mind, knowing that you have reliable life insurance coverage, even with epilepsy. The main benefit is financial security and protection for your loved ones.

Our Features and Benefits

  • Personalized Service: Tailored to your individual needs and preferences.
  • Expert Guidance: Leverage our 15 years of experience to navigate the complexities of life insurance with epilepsy.
  • Competitive Rates: We compare policies from multiple insurers to find the best rates for you.
  • Comprehensive Coverage Options: Access to various policy types to suit your unique situation.

Addressing Common Objections

We understand you might be concerned about high premiums or limited options. However, our expertise and network allow us to find competitive rates and suitable policies, even for those with epilepsy. The negative consequence of not working with us is potentially overpaying for limited coverage. Conversely, partnering with us ensures you get the best coverage at the most affordable rates.

Working with The Annuity Expert provides peace of mind and financial security. You will feel valued and confident knowing you have the best possible life insurance coverage tailored to your needs.

Contact us for free advice or a quote. We’re here to help you navigate the complexities of obtaining life insurance with epilepsy.

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Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Shawn Plummer is a Chartered Retirement Planning Counselor, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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