Top pick: Sproutt
- Quotes from 40+ top insurers
- Up to $10 million in coverage
- Skip the medical exam
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Medical advancements and new treatments have made it more possible to control many types of epilepsy. But insurers can still be wary about offering life insurance coverage, meaning you may have to deal with pricey premiums.
Possibly, but it’s not guaranteed. Some insurers will extend coverage to people with a history of epilepsy, though you may have to pay a higher premium. Your chances of getting approved depend on what type of epilepsy you have, how often you have seizures and what other health risks you face.
Consider talking with an insurer before filling out an application to find out if they automatically deny coverage to applicants with epilepsy. Focusing on insurers who are willing to consider all aspects of your condition can save you time and increase your chances of approval.
Along with standard medical questions about your history and current health, expect to be asked specific questions about your epilepsy, such as:
Life insurance companies base premium prices on risk, or how likely it is that they’ll need to pay out a claim. Failing to report any medical conditions accurately can result in any potential claims being denied — even if you’ve faithfully paid your premiums.
Confronting invasive questions about your epilepsy can stir up fear, frustration and other unexpected emotions. Consider talking to your loved ones if you need support when answering health-related questions or undergoing medical exams. And remember: You are not your diagnosis.
When comparing insurers, factor in:
If your application is denied, talk to the insurer and get as much information as possible about why. Once you know why you were denied, you have several options moving forward:
Other types of insurance
Aside from traditional life insurance, you may also want to consider:
Getting life insurance if you have epilepsy can sometimes be more expensive or require additional medical underwriting, but it’s not impossible. Compare insurance companies to find one that fits your needs.
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