Life Insurance for Epilepsy and Seizures
Over 100 Carriers to Quote From. Here are a few of them!
At Diversified Insurance Brokers, we specialize in helping clients with complex medical histories—such as epilepsy and seizure disorders—secure the right life insurance coverage. With decades of underwriting expertise and access to over 100 top-rated carriers, we know how to match your health profile with the insurers most likely to approve your application. Even if you’ve been declined before, it’s possible to find an affordable policy, and we can guide you through the process from start to finish.
Life Insurance with Epilepsy & Seizures
If you manage epilepsy or have a history of seizures, it doesn’t mean you’re uninsurable.
At Diversified Insurance Brokers, we specialize in helping clients with neurological conditions find affordable, tailored life insurance coverage.
Speak with an expert who understands life insurance for individuals with neurological conditions.
How Epilepsy and Seizures Impact Life Insurance
Life insurance companies carefully evaluate seizure history because it can indicate potential long-term health risks. Underwriters may look at:
- Type of Seizures: Focal, generalized, or absence seizures may be rated differently.
- Diagnosis History: When you were first diagnosed and how often episodes occur.
- Medication Control: Whether seizures are well-controlled with treatment.
- Recent Episodes: A seizure-free period of 6–24 months can significantly improve rates.
- Related Conditions: Any additional neurological or medical issues that may affect life expectancy.
Who This Coverage Is Best For
This type of high-risk life insurance is ideal for:
- Individuals with well-controlled epilepsy
- Applicants recently diagnosed but in good overall health
- Those with infrequent seizure episodes
- Anyone previously declined due to seizure history
Why Work With Diversified Insurance Brokers
We have a proven track record of securing coverage for individuals with epilepsy and seizures, even when other agencies couldn’t. Here’s why clients choose us:
- Access to 100+ A-rated carriers: We know which insurers are most flexible with seizure history.
- Specialized underwriting insight: We present your case in the most favorable way possible.
- Faster approvals: Our carrier relationships mean quicker turnarounds.
- Confidential and compassionate approach: Your personal health information is handled with discretion.
Example Case
We recently helped a 42-year-old applicant with a history of generalized seizures but seizure-free for 18 months. Other companies had offered only rated or substandard policies. We matched them with a carrier willing to issue at standard rates, saving them over $300 annually.
FAQs: Life Insurance for Epilepsy & Seizures
Can I get life insurance with epilepsy or a history of seizures?
Yes—you can often qualify even if you have epilepsy or have had seizures. What matters most is how well controlled the condition is, type of seizures, and your overall health profile.
What seizure-history details do insurers care about?
Underwriters evaluate seizure type (generalized, focal, or others), frequency and recentness of episodes, age at diagnosis, medication control, and whether there are co-existing neurological or medical conditions.
How much does being seizure-free help?
A seizure-free period (often 6–24 months, depending on carrier and severity) can significantly improve the rates and expand your policy options.
What outcomes or rating options might I expect?
If your epilepsy is mild, well-controlled, and you’ve had a long seizure-free period, you may qualify for standard or near-standard ratings. More frequent or recent seizures or complications will likely result in higher rates or more limited options.
Who tends to receive the best offers?
Individuals who are otherwise healthy, maintain consistent treatment, have long seizure-free periods, minimal side effects, and no other major health concerns tend to get the most favorable coverage terms.
Why work with Diversified Insurance Brokers for epilepsy & seizure cases?
We know which carriers are more flexible with seizure history, how to present your medical documentation to improve outcomes, and have helped many clients who were previously declined find affordable life insurance.
Diversified Insurance Brokers specializes in helping high-risk applicants secure coverage, even after serious health conditions.
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