Epilepsy & Neurological Disease

Home > High Risk Information > Epilepsy & Neurological Disease

Recent history, and advanced degeneration will impact underwriting decisions. Some histories may not be insurable. However, premiums may be available for certain conditions such as Muscular Dystrophy at certain stages where companies will quote 50-250% of their regular premiums subject to review of medical records and examination.

Best Class:
It is not possible to accurately predict the classification without review of medical records. However, there is a range of premium guidelines for most histories from rejection to surcharges.

Solutions:
1. Shop around as an insurance company may add a surcharge and surcharges vary from company to company.
2. Pay a surcharge for the risk. This may be unavoidable based on your history.

Note:
Term life insurance policies may not be available as companies may believe that only cash value plan will generate adequate premium for the contemplated risk.

Action:
Complete the Personalized Quote to begin the process to find the companies with the most liberal acceptance guidelines and lowest premiums for your status. If we cannot quote online, we will respond by email with the probable underwriting action and premium range within two business days.

Need Help?:
Make a no-obligation call to our quote desk to clarify you status before proceeding with the Personalized Quote or e-mail your question to us at info@choicequote.com

To speak with a licensed professional,

1-888-SEE-TERM

1-888.733.8376
(Toll Free) 8 a.m. to 6 p.m.
Eastern time, Monday through Friday