Can Someone With Epilepsy Get Life Insurance?

  1. 61667 POINTS
    Steve Savant
    Syndicated Financial Columnist, Host of the weekly talk show Steve Savant's Money, the Name of the Game, Scottsdale Arizona
    If your seizure is Petite Mal or myoclonic without re-occurrence in the last two years it is possible to secure life insurance beyond guaranteed issue with several impaired risk carriers. If re-occurrence is within a year, you may be able to secure coverage at 2 to four tables, i.e. you’re premium will be more than a standard offer. Other considerations are: the date of diagnosis, your present condition, treatment, the date of your last seizure, the type of seizure, the length of the seizure and the number of seizures in the last 12 months. 

    Answered on September 8, 2013
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  2. 63333 POINTS
    Peggy Mace
    Most of the U.S.
    People with epilepsy can get life insurance. If the epilepsy does not interfere with your normal life (i.e. you are able to work full time and have not had a seizure for over 5 years), you should be able to get a regular, medically underwritten policy of any amount, een if you have Grand Mal epilepsy. Most people with epilepsy have their condition so well controlled that you would not even know they have it, unless they quit taking their medication. Some life insurance companies take that into consideration and give lower rates. If the epilepsy is uncontrolled (seizures within the past year), there are simplified issue policies that can be obtained, up to a certain amount of coverage.
    Answered on September 8, 2013
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