There are a number of individuals who suffer with different pre-existing conditions including diabetes, high cholesterol, and epilepsy, to name a few.
In decades past, having one of these conditions made it difficult to purchase life insurance coverage or find a coverage plan that was affordable on the average budget.
Luckily, insurance companies are now recognising the frequency of these conditions and, if the condition is well managed, that these conditions do not have to mean higher risks for insurance providers.
Genesage Life Insurance specialises in providing insurance for those with pre-existing illnesses, such as epilepsy, and can help find an insurance policy that fits your needs and budget.
Epilepsy is a nervous system disorder that is generally characterised by recurring, excessive neural activity or seizures. Seizures are defined as disturbances in movement, consciousness and/or sensation, which are generally controlled by the cerebral organ.
Epilepsy is an umbrella diagnosis for a variety of different forms of the condition. Treatment for all types of epilepsy are generally the same – combinations of different types of medication can help to manage or eliminate the symptoms associated with epilepsy dependent upon which sub-type of the condition is present.
Medications can help to reduce the severity and/or the number of seizures that occur, which helps to improve the patient’s overall health. The two most common types of epilepsy include grand mal epilepsy and or petit mal epilepsy.
Grand mal is characterised by seizures that include a distinct epileptic cry, muscles spasms, and convulsions, as well as varying levels of lost consciousness.
Grand mal epilepsy can occur either on its own or in combination with other types of the disease. Petit mal almost always begins to develop in the patient’s childhood and carries into adulthood by becoming part of a mix of different seizure patterns. Seizures of this type are usually less traumatic and include periods of hazy consciousness that last up to 30 seconds. During this time, patients may stare blankly off into space or blink rapidly.
Epilepsy and Life Insurance Applications
Life insurance applications for those with pre-existing illnesses such as epilepsy are handled slightly differently than those of healthy individuals. Insurance companies will take a closer look at medical histories and will often require individuals to submit a recent medical exam.
Additionally, insurance agents will ask a variety of health related questions in order to make a decision, so it is in your best interest to have a record on hand outlining treatments and medications to answer these questions honestly and accurately.
If an insurance agent can prove that the condition is well managed, it makes the application process easier as well as companies being able to award applicants with lower premium payments. If you or someone you know has been diagnosed with a pre-existing illness such as epilepsy, it is important to know and understand that attaining life insurance is possible.
Genesage Life Insurance is well versed in providing affordable life insurance policies for those with pre-existing conditions. Our agents take the time to learn about your medical condition and evaluate your insurance needs based on accurate medical and treatment records.
If the condition is well managed, it is possible for Genesage to arrange insurance coverage that fits into any budget while still meeting all of the applicant’s insurance needs.