If you’re living with epilepsy, you might wonder whether qualifying for life insurance is even possible, especially without facing a complicated medical exam. Many people with epilepsy are eligible for affordable coverage. Whether your condition is newly diagnosed or something you’ve managed for years, there are options. We’ll walk you through everything you need to know, including how epilepsy affects eligibility, what types of coverage are available, and how much it might cost.
Even with a pre-existing condition, you have options. Call us at (866) 786-0725 to learn more. Be sure to check our free online quoting tool for personalized pricing estimates.
What Is Epilepsy?
Epilepsy is a chronic neurological disorder characterized by unprovoked, recurring seizures caused by abnormal electrical activity in the brain. According to the Epilepsy Foundation, it affects approximately 3.4 million people in the U.S., including both children and adults. While it can develop at any age, the risk increases in early childhood and after age 60.
Common Causes and Types of Epilepsy
Epilepsy can stem from a variety of causes, including:
- Head trauma
- Stroke
- Brain infections
- Brain tumors
- Genetic conditions
In some cases, the exact cause remains unknown (idiopathic epilepsy). The condition is diagnosed based on seizure activity and neurological testing.
Two Primary Types of Seizures:
Focal seizures: Begin in one area of the brain and may cause twitching, confusion, or unusual behavior.
Generalized seizures: Involve both sides of the brain and can result in convulsions, loss of consciousness, or muscle stiffness.
Symptoms vary widely depending on the type, frequency, and severity of the seizures.
Get covered, even with a health condition at (866) 786-0725. Check our free funeral expense calculator for a clear, itemized view of funeral costs based on your preferences.
How Epilepsy Affects Different Age Groups
Epilepsy affects people of all ages, but its causes and challenges can vary significantly depending on when it’s diagnosed. Whether it’s a condition managed since childhood or one that emerges later in life, understanding how epilepsy affects your health, and your ability to get life insurance, is essential. In this section, we’ll explore how epilepsy shows up in children, adults, and seniors, and why age plays a key role in both care and coverage options.
Epilepsy in Children and Adults
In younger individuals, epilepsy is often linked to genetic conditions or developmental issues and is typically diagnosed early. With proper management, many people live active lives with minimal complications.
Epilepsy in Seniors
Among older adults, epilepsy can emerge due to age-related issues like stroke, dementia, or traumatic brain injuries. Seniors may face more severe complications, including challenges with medication interactions, fall risks, and cognitive decline, making life insurance planning even more important.
Can People With Epilepsy Get Life Insurance?
The Good News? Yes, You Can
Having epilepsy doesn’t mean you’re uninsurable. Many people with epilepsy, even seniors over 80, qualify for various types of life insurance, including final expense policies.
Common factors evaluated include:
- Seizure frequency and control
- Time since your last episode
- Related hospitalizations or complications
- Use of medications
How Pre-Existing Conditions Affect Approval
Epilepsy is considered a pre-existing condition, but it doesn’t automatically prevent you from getting coverage. Depending on your health status, you may qualify for universal or guaranteed issue life insurance, which is commonly used for final expense planning.
Typical Coverage and Costs for Life Insurance for People with Epilepsy
Final expense insurance for seniors with epilepsy typically ranges between $30 and $170 per month, depending on age, gender, and the severity or frequency of the condition. While epilepsy is considered a pre-existing condition, many insurers still offer affordable coverage, especially if it’s well-controlled and you haven’t had recent hospitalizations.
| Company |
Male 50y/o |
Female 50y/o |
Male 60y/o |
Female 60y/o |
Male 70y/o |
Female 70y/o |
|---|---|---|---|---|---|---|
|
$34 |
$27 |
$50 |
$40 |
$70 |
$56 |
|
|
$31 |
$26 |
$43 |
$35 |
$71 |
$53 |
|
|
$31 |
$24 |
$44 |
$33 |
$75 |
$53 |
|
|
$34 |
$29 |
$45 |
$35 |
$79 |
$59 |
|
|
$33 |
$26 |
$48 |
$36 |
$82 |
$58 |
These figures are estimates for a non-smoking applicant with a mild, well-controlled case of epilepsy. Rates may increase based on case severity, seizure frequency, and other factors.
What Underwriting Can You Expect With Epilepsy?
Life insurance applications typically follow a yes/no format, with little room for explanation. Insurers may ask about epilepsy directly, or they might assess risk based on the medications you take. Epilepsy-related underwriting questions may be included, but don’t panic! Seizures do not automatically mean disqualification.
What Happens After You Apply
Once your application is submitted, there are a few possible outcomes:
- You may be immediately approved
- You could face a brief follow-up review
- You might be offered a modified benefit plan with a waiting period
What Waiting Periods Mean
A waiting period is common for guaranteed issue policies. Typically lasting two years, it means that if the insured passes from natural causes during this time, the beneficiary receives either a refund of premiums (often with interest) or a graded or modified benefit payout, such as:
- 30% payout in year one
- 70% payout in year two
Full benefit by year three
What Happens If You Are Denied
After the waiting period ends (if you had one), you will know if you have been granted or denied life insurance. Most often, denials happen because of recent hospitalizations, unmanaged health conditions, or incomplete applications. If you’re denied, the insurer will typically provide a reason, which gives you the opportunity to reapply elsewhere or consider alternative options.
Many people who are denied traditional life insurance still qualify for guaranteed issue policies, which offer coverage with no medical questions asked. These plans are designed specifically for individuals with serious health concerns or a history of denials, ensuring that you still have a path to protecting your loved ones.
Find your pre-existing condition plan today. Call us at (866) 786-0725 to learn more. Be sure to check our free online quoting tool for personalized pricing estimates.
Best Life Insurance Options for People With Epilepsy
Finding the right life insurance policy when you have epilepsy may feel overwhelming, but there are several options designed to work with your health history, not against it. Whether you’re exploring coverage for yourself or helping a loved one navigate their options, there are accessible and affordable policies to choose from.
Life Insurance Policy Options
Guaranteed Issue Life Insurance
Best for: Seniors with severe, uncontrolled epilepsy or recent hospitalizations
Guaranteed issue life insurance offers guaranteed acceptance with no medical exams or health questions. It’s ideal for seniors with complex or high-risk health conditions, including epilepsy. These policies often come with a two-year waiting period, during which the full death benefit may be limited.
Best for: Seniors with well-controlled epilepsy and no recent complications
Simplified issue policies require you to answer a few basic health questions, but there’s no medical exam. If your seizures are well-managed with medication and you haven’t had a recent hospitalization, this may be the most affordable and accessible option, sometimes even with no waiting period.
Modified Benefit Whole Life Insurance
Best for: Seniors with moderate health risks or recent diagnosis
Modified whole life policies offer limited benefits during the first two years and full coverage afterward. They’re often used when health issues, like epilepsy, create some underwriting risk, but not enough to require guaranteed issue.
Final Expense Insurance for People With Epilepsy
Final expense policies are tailor-made for seniors or individuals with chronic health issues. This includes pre-existing health conditions in seniors such as alzheimers or dementia. They’re easier to qualify for and require no medical exams. If you are ever denied life insurance, you can still find coverage with any of our top-rated insurance companies.
These policies help pay for:
Conclusion
Living with epilepsy shouldn’t stand in the way of protecting the people you love. Whether your seizures are well-managed or part of a broader health journey, final expense insurance options are designed just for you; no medical exam, no hassle, just support when it matters most.
At Final Expense Benefits, we specialize in helping individuals with pre-existing conditions like epilepsy find policies that fit their needs and budgets. Our team is here to guide you step by step with compassion, clarity, and zero pressure.
Call Final Expense Benefits at (866) 786-0725 and compare no-exam coverage now. Check our free funeral expense calculator for a clear, itemized view of funeral costs based on your preferences.
FAQ
Can You Be Denied Life Insurance for Epilepsy?
Possibly for traditional policies, but many final expense or guaranteed issue policies remain accessible.
Is Epilepsy Considered a Pre-Existing Condition?
Yes. However, it doesn’t disqualify you from getting affordable, meaningful coverage.
Do I need to disclose epilepsy if it’s been under control for years?
Yes, you should always disclose your health history honestly. Even if your epilepsy is well-managed, insurers may ask about past diagnoses, treatment, and medication.
What if I was denied coverage because of epilepsy?
You can still apply for guaranteed issue life insurance, which accepts applicants regardless of health conditions. A licensed agent can also help you reapply or explore alternative options.
What Is the Best Life Insurance for Seniors With Seizures?
Guaranteed issue or final expense life insurance is often the most suitable choice.
