Cool article on epilepsy and life insurance underwriting. These days even with chronic health issues you can find and obtain quality life insurance that doesn't break the bank. Check it out and let me know what you think.
Epilepsy or otherwise know as a (seizure disorder) is a neurological disorder resulting from abnormal electrical activity of the
brain.
When it comes to Epilepsy Life Insurance Underwriting and ratings it all depends on the Insurance Company and their Underwriting guidelines. Some companies are more lenient than others. You should shop around for the best rate and use a good Life Insurance Broker or Agent to help you find the right policy that meets your planning needs.
Here is a general guide of what some Life Insurance Companies may look for and how they may rate your policy, again this will vary by company.
What are the factors that may affect the underwriting decision:
- Age of onset
- Compliance with Doctor and medication
- Control of any and all seizures and the recent episodes
- Current and past alcohol use
- Other health issues that you currently have may also affect underwriting
