How can someone with epilepsy buy term life insurance coverage?
UPDATED: Apr 7, 2014
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Asked April 7, 2014
For insurance companies, epilepsy is considered a high risk condition. If a person suffers an epileptic attack, they may totally lose control of their body, resulting in injuries from falling, bumping things, or even more serious problems related to the fall or things such as choking. Since these things cannot be predicted, insurance companies have to charge higher rates to cover someone who has epilepsy.
Traditional insurers are not prepared to handle the kind of risks associated with epilepsy. To get a term life policy for that person, you are going to have to go through a high risk insurer. The costs of the policy will be quite a bit higher than someone in perfect health, but the coverage is available. If you are having trouble finding a high risk insurer to underwrite a term life policy for someone with epilepsy, contact you state Department of Insurance for guidance on where to look. That department should be able to give you a list of insurance companies in your area that can fulfill your needs.
Trying to hide epilepsy from an insurance company could have severe consequences. Not only can the insurance company deny a claim, they may also prosecute the buyer for insurance fraud. The best option is to find a high risk insurer to underwrite the policy rather than face the potential for financial or even penal repercussions.
Start with this website to find a term life policy for a person with epilepsy problems. Since the site represents multiple insurance companies, a free online term life insurance quote will provide you with a quote from a qualified insurer along with comparison quotes from other companies. This method will help you find the best coverage for the lowest price without spending hours calling different companies and filling out the same forms over and over again.
Answered April 7, 2014 by Anonymous