Can People with Epilepsy Get Life Insurance?

Shawn Plummer

CEO, The Annuity Expert

Understanding Life Insurance Eligibility for Individuals with Epilepsy

People with epilepsy can obtain life insurance, though the process and the premiums may differ from those without the condition. The key factors that insurance companies consider include:

  • Frequency of Epileptic Episodes: The number of seizures experienced annually.
  • Underlying Causes and Diagnoses: The specific reasons and medical diagnoses associated with epilepsy.
  • Medication History: Types and effectiveness of medications taken for epilepsy.
  • Time Since Last Episode: Duration since the last seizure occurred.

Impact of Epilepsy on Life Insurance Rates

Individuals with epilepsy are often subject to a “table rating” system, which leads to higher premiums due to increased risk. Generally, the more controlled the epilepsy is (fewer episodes, effective medication), the lower the risk in the eyes of insurers. However, it’s important to note that:

  • Standard Rating is Unlikely: Those with epilepsy are typically not eligible for the best possible rates.
  • Premiums Vary: The cost depends on individual circumstances and the insurer’s policies.

Table to Compare Premiums

Epilepsy Control LevelFrequency of EpisodesEstimated Premium Increase
Well-ControlledRare/None in recent yearsSlight to Moderate Increase
Moderately ControlledOccasional episodesModerate to High Increase
Poorly ControlledFrequent episodesSubstantial Increase


Understanding how epilepsy impacts life insurance eligibility and premiums is crucial. While individuals with epilepsy can obtain life insurance, they should expect higher premiums and a detailed evaluation of their condition. For personalized assistance and to explore your options, contact us today for a free quote.

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Shawn Plummer

CEO, The Annuity Expert

Shawn Plummer is a licensed financial professional, 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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