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According to Heathline.com, approximately 3.4 million Americans have epilepsy. 1 in 26 people will develop epilepsy in their lifetime, and the incidence is highest in early childhood and growing fastest in the elderly. Epilepsy is the 4th most common neurological condition and many people with this condition apply for life insurance every day.

Having epilepsy does not mean you cannot get life insurance coverage.

Quotacy is here to dig through the different life insurance companies to help you find affordable term life insurance rates that keep you and your family covered.

Buying Life Insurance with Epilepsy

If you have epilepsy, your best chances of getting affordable life insurance is to apply through a broker, like Quotacy. Brokers are not tied to one life insurance company and are able to shop the market.

We want you to get approved and will work hard to help you get coverage. While we can’t guarantee we will be able to find a life insurance company willing to offer you affordable life insurance, we will try our best. Start the process by getting a free term life insurance quote or keep reading for more in-depth information about life insurance and epilepsy.

If you have epilepsy, your best chances of getting affordable life insurance is to apply through a broker. Brokers are not tied to one life insurance company and are able to shop the market.

Want to see what you’d pay for life insurance?

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Epilepsy is a chronic condition characterized by a history of two or more seizures that were not directly provoked by a preceding specific cause. Seizures result from abnormal electrical activity in the brain.

A number of drugs are available and can control most seizures, and many epileptics must take these medications throughout their lives. All drugs, however, have some side effects.

Certain drugs are preferred for the control of particular seizure types and some epileptics must take more than one medication to control their seizures. If someone has been seizure-free for a certain amount of time, often four years, the physician and patient may decide to discontinue medication for a trial period.

What Are the Categories of Epilepsy?

Epilepsy is categorized as being symptomatic or idiopathic.

Epilepsy is symptomatic when the underlying cause is known. Some of the many possible causes of symptomatic epilepsy include genetic and birth factors, infection, brain trauma, stroke, tumors, and drug intoxication or withdrawal, including alcohol. Epilepsy is idiopathic when there is no underlying cause known. The majority of epilepsy cases are idiopathic.

Seizures themselves are also split into different categories: Partial, Generalized, and Status Epilepticus.

Partial seizures may present itself in a variety of ways, depending upon the part of the brain that is involved. For example, a partial seizure may present with focal motor activity, such as movement of a part of the body, or a sensory symptom, such as a change in vision.

Generalized seizures are often associated with impaired consciousness. With tonic-clonic seizures, which used to be called grand mal seizures, there is loss of consciousness and muscle stiffening followed by contractions. Someone experiencing an absence seizure, which is also known as a petit mal seizure, will have impaired consciousness and may appear to be staring off into space. After a seizure ends, confusion, drowsiness, and headache may be observed.

Status epilepticus is when there is a prolonged continuous seizure or multiple seizures without full recovery of consciousness in between.

Underwriting Epilepsy

The underwriting of an applicant with epilepsy takes several factors into consideration, including the type of epilepsy, any known cause, control, compliance with treatment and follow up, results of testing, complications, and the presence of coexisting impairments.

When you apply for life insurance, underwriters review the complete application and all the records that go along with it. They then decide how much coverage and at what cost to offer the applicant, unless they decide to deny or post-pone the application.

For applicants with epilepsy, you can be classified anywhere between the best rating of Preferred Plus to being table rated. The table rating system typically means that your pricing for life insurance will be the Standard price plus 25% for every step down the table you are, Tables A-J or 1-10 depending on which format the insurance company uses.

Case Studies*

Applicant 1 is a 40-year-old female applying for a $500,000 20-year term policy. She has a history of idiopathic generalized tonic-clonic seizures since childhood which are stable, is compliant with her medication, and has not had a seizure in six years.

This applicant may be Standard Plus and we estimate her monthly premiums to be $44.

Applicant 2 is a 50-year-old male applying for a $500,000 20-year term policy. He has a history of symptomatic epilepsy caused by a vascular malformation in the brain. Five seizures have occurred in the last two months, the applicant is not compliant with his medications, and the last three neurologist appointments have been missed.

This applicant would likely be declined.

Applicant 3 is a 30-year-old female applying for a $500,000 20-year term policy. She has a history of idiopathic generalized tonic-clonic seizures which is stable and last had a seizure three years ago.

This applicant may be Table 2 and we estimate her monthly premiums to be $51.

Applicant 4 is a 35-year-old male applying for a $500,000 20-year term policy. He has a history of idiopathic generalized epilepsy diagnosed in childhood and has been seizure free off medications for over five years. The applicant is stable and otherwise healthy.

This applicant can be Preferred and we estimate his monthly premiums to be $29.

*The examples shown are for illustrative purposes only. Your life insurance prices may be higher or lower.

Each life insurance company has a different set of guidelines they follow when underwriting an applicant. Because of these different guidelines, when one company may deem an applicant a Table 2, another company may decide that applicant can qualify for Standard Plus rates.

Keep in mind that life insurance companies all underwrite a little differently. A benefit to working with Quotacy is that we work with multiple A-rated life insurance companies.

Shopping your application around to more than one insurance company can only help you. Quotacy will do this behind the scenes so no need for you to hop around applying to different life insurance companies.

Start the process by running quotes online here at Quotacy. Our term life insurance quoting tool can give you an idea of what life insurance costs, but cannot factor how epilepsy will affect the pricing. There are just too many variables for online quoting tools to calculate.

To find out exactly how much life insurance will cost you, simply run a quote and apply online and your Quotacy agent will set realistic expectations after reviewing your application. We’ll walk you through the process of buying life insurance and can help answer any questions along the way.

Image credit to: Jonathan Perez | Upsplash


About the writer

Headshot of Natasha Cornelius, a life insurance writer, for Quotacy, Inc.

Natasha Cornelius

Marketing Content Manager

Natasha is a writer and content editor at Quotacy. She is also co-host of Quotacy’s YouTube series. She can't get enough of life insurance and outside of work is also working toward her Chartered Life Underwriter designation. Connect with her on LinkedIn.