Many pre-existing conditions cause individuals to believe they cannot secure proper life insurance coverage.
While this may have been true in years past, life insurance companies have recognised that these conditions can be well managed and have developed and extended proper life insurance policies to these individuals.
One of the conditions that many people believe excludes them from life insurance coverage is epilepsy.
Claybrooke Life Insurance specialises in obtaining life insurance for individuals with epilepsy – here is how we can help.
So, What is Epilepsy?
Epilepsy is a nervous disorder caused by abnormal, excessive neural activity. This activity is classified as recurring disturbances in movement, sensation, and/or consciousness primarily controlled by the cerebral organ.
There are different types of epilepsy, and although each condition comes with its own set of triggers and symptoms, the treatments are similar across the board.
Click To Compare QuotesSeveral different medication groupings help to stop or lessen the occurrence of epileptic episodes, and their combinations will be dependent on which type of epilepsy is present.
Major, or grand mal, epilepsy is the most common form of this condition. Major epilepsy may occur alone or in combination with other types of the disease.
Attacks with this type of epilepsy include a distinct epileptic cry, loss of consciousness, and convulsions.
Minor, or petit mal, epilepsy begins consistently during childhood and develops into part of a mix of seizure patterns, including minor, principal, and other types of epileptic episodes.
Petit mal epilepsy or seizures are usually characterized by clouded consciousness for a period of up to 30 seconds in which the individual may stare blankly or blink.
Other forms of epilepsy include idiopathic epilepsy and focal epilepsy. Idiopathic epilepsy is characterised by seizures that occur without any presence of an organic disease in the brain, which will generally be revealed early in the patient’s life.
Seizures in this manner are often attributed to genetic factors.
Additionally, focal epilepsy is a form of this condition that can be either idiopathic or symptomatic epilepsy.
This form is characterised by localised sensory, motor, or combined phenomena seizures, including temporal lobe seizures.
These seizures are complex and can include unusual motor activity, altered consciousness, different states of amnesia, and automatism.
How Epilepsy Affects a Life Insurance Application
Like with many other pre-existing conditions, there are some specific areas insurance agents consider when choosing to extend coverage.
Insurance agents will generally closely examine how long the applicant has been diagnosed with the condition, how the condition is managed, and what medications the applicant uses to control his or her symptoms.
Click To Compare QuotesCoverage can be extended if the condition is well-managed and accurate care records are available.
Because of this, it is important to keep an accurate record of all treatments and medications to present to the insurance company when applying.
Claybrooke Life Insurance is available to help individuals with epilepsy secure life insurance coverage that meets all their needs.
Our knowledgeable insurance agents are experienced in working with individuals who have pre-existing conditions and even specialise in helping those who suffer from any of the different forms of epilepsy.
A pre-existing condition does not have to mean purchasing life insurance coverage is impossible or expensive.
Claybrooke can help arrange a policy that meets the applicant’s needs and fits well into his or her overall budget.
Further Reading:
- http://www.nlm.nih.gov/medlineplus/ency/article/003200.htm (seizures)
- http://www.nhs.uk/conditions/Epilepsy/Pages/Introduction.aspx