Yes, individuals with epilepsy can obtain life insurance, and many qualify for competitive rates depending on how well the condition is controlled. Epilepsy affects approximately 3.4 million Americans, and carriers have established underwriting guidelines based on the type of seizures, frequency of episodes, medications used, and whether there is an identifiable underlying cause.
Well-controlled epilepsy — defined as no seizures for two or more years while on medication — is viewed favorably by many carriers. Applicants in this category may qualify for Standard to Table 2 ratings, which translates to moderately higher premiums but is far from the worst-case scenario. Some carriers with particularly favorable epilepsy guidelines may even offer Standard Plus for long-term seizure-free applicants.
Factors that lead to higher ratings or potential decline include frequent seizures despite medication, recent seizure activity (within the past year), seizures that cause loss of consciousness (particularly tonic-clonic/grand mal seizures), driving restrictions related to seizures, seizures with an identifiable structural brain cause, and use of multiple anti-epileptic medications. The underwriter evaluates the overall risk profile, including the impact of seizures on daily functioning and the potential for seizure-related accidents.
Carriers also consider the age of onset and the type of epilepsy. Childhood-onset epilepsy that was outgrown (no seizures and off medication for years) may have minimal to no impact on rates. Adult-onset epilepsy is evaluated based on the cause, current treatment, and seizure control. A licensed agent in our network can evaluate your epilepsy history and match you with carriers that have the most favorable guidelines. All coverage is subject to underwriting approval.