Final Expense Life Insurance For Someone With Epilepsy & Seizures
If you have epilepsy, you might be concerned that you won’t be able to apply for life insurance or that if you do, the coverage will be exorbitant. Perhaps you’ve put off looking for life insurance for someone with epilepsy entirely since sifting through all of the information is intimidating and unpleasant.
However, it’s important to keep in mind that epilepsy is far from a rare disorder. According to the National Institute of Health, around 3 million Americans have been diagnosed with epilepsy, which equates to one in every 26 persons. Given that epilepsy is the fourth most common neurological ailment, it should come as no surprise that many people with this condition seek for and obtain life insurance on a daily basis.
Can I get Final Expense life Insurance if i have Epilepsy?
If you have Epilepsy or have had seizures, you can still acquire final expense insurance. Final expenses insurance is accessible to practically everyone, regardless of age or health status. Life insurance for someone with epilepsy is actually not as hard to get as one may think.
What life insurance plans can I get if i have Epilepsy?
Final expense insurance is designed to accommodate seniors that have pre-existing health conditions, with fixed incomes who simply cannot get regular life insurance.
With face amounts from $1,000 all the way up to $50,000, final expense life insurance is a great alternative and is a great take on life insurance for someone with epilepsy.
What Underwriting Can I Expect To See On My Application?
As you may know, underwriting on insurance applications is very black and white. They’ll ask you a question, expecting a yes or no response, prompting the next applicable steps in the process without any room to explain yourself – Seizures are, unfortunately, no different. Although you can expect to see seizure-related questions on the questionnaire, it’s not the end of the world. Most of the time, seizures do not disqualify you from coverage and may not even adjust your rate, depending on the condition associated with the seizures as well as the severity of such. Keep in mind, that some insurers may not directly ask you about your condition, but rather, may inquire about the medications you’re taking.
How much does final expense insurance cost for seniors?
On average, life insurance for someone with epilepsy can cost between $30 and $170 per month. It takes minutes to apply and some of the top insurance carriers don’t even ask you medical questions.
| Company | 50 y/o Male | 50 y/o Female | 60 y/o Male | 60 y/o Female | 70 y/o Male | 70 y/o Female |
|---|---|---|---|---|---|---|
|
$34 |
$27 |
$51 |
$40 |
$73 |
$58 |
|
|
$39 |
$34 |
$52 |
$41 |
$86 |
$65 |
|
|
$30 |
$24 |
$43 |
$32 |
$74 |
$53 |
|
|
$36 |
$30 |
$47 |
$37 |
$81 |
$60 |
|
|
$55 |
$38 |
$68 |
$53 |
$106 |
$80 |
How long are the waiting periods for life insurance for someone with epilepsy
If you’ve already done some research, you’ve probably found it difficult to find a plan that has no waiting periods. Good News, we can help.
Working with our recommended carriers will not only give you the most affordable final expense life insurance plan available, you’ll have day 1 coverage with no waiting period or medical exam required.
Best Insurance Companies For seniors who have Epilepsy
Plenty of companies that offer burial insurance cover seniors who have epilepsy.
The top insurance carriers we work with still offer you plans with face values from $5,000 to $50,000.
These carriers include:
Conclusion
Pre-existing conditions can make it seem impossible to find life insurance for someone with epilepsy.
We are here to say, you still have hope. A final expense life insurance is the absolute best option for you if you have a pre-existing condition.
Call us today at 1 866-311-4338 and let our licensed agent bring you and your family, peace of mind.