Anytime someone is afflicted with an adverse health condition, it may be difficult for them to qualify for life insurance. Even if a particular condition is not life threatening in and of itself, it can still be a risk to the insurance company due to its side effects, its underlying cause, or because of the side effects of the medications that are taken for it. This can oftentimes be the case for those who have convulsions.
Convulsions are a type of medical symptom that are typically characterized by an individual having rapid muscle contractions and relaxations, which in turn, cause their body to shake uncontrollably. Therefore, a convulsion itself is not an exact illness or disease, but rather a symptom or result of another type of condition or illness. One of the most common of these is epilepsy.
One of the most common causes for one having convulsions is a brain injury or illness. Other reasons may include a brain tumor, stroke, electric shock, meningitis, high grade fever, drug overdose, or even choking.
When an individual goes into convulsions, he or she will typically lose control of their motor skills, twitch and jerk their limbs and muscles, roll their eyes and clench their teeth, and drool. They may also briefly stop breathing.
Applying for Life Insurance
When applying for life insurance, the underwriters will want to know more details regarding your condition. This way, they will be able to get a clearer picture of your overall health, and they can better assess a rating category for your policy and your premium quote.
Some of the questions that you will likely be asked about your condition will typically include the following:
- When were you initially diagnosed with convulsions? When you were initially diagnosed with your convulsion can make a difference in how your policy is rated and priced. For example, if you had convulsions that were triggered due to a high grade fever as a child, but they disappeared when you were an adult, it is probable that you may qualify for a Standard – or average – rating on your life insurance policy. If, however, you have been more recently diagnosed with convulsions due to a head injury or stroke, then your policy may be rated in the Substandard category instead. It is also possible that the underwriters will request a further health review prior to making a final determination.
- Within the past 6 months, have you experienced any symptoms of convulsions? If you have experienced any symptoms of convulsions over the most recent 6 months, it could be a signal that your condition is getting worse. In this case, your policy will likely be rated in the Substandard category.
- What, if any, medications have you been prescribed for your condition? If you have been prescribed any medication for your convulsions, it may mean that you have complications from your condition. In this case, the underwriters may rate your policy in the Substandard category.
- Over the past 12 months, have you had any type of relevant laboratory testing performed due to your condition? It is oftentimes necessary to have regular lab testing performed in order to detect possible complications due to your condition. If you have had any such testing performed such as an MRI or CT scan, it is likely that the life insurance underwriters will want to review the results. This will allow them to get a much better idea of your overall condition. Having these tests performed will also be a positive sign that you are working with a medical professional in helping to control your condition.
- In addition to convulsions, have you been diagnosed with any other medical conditions? If you have been diagnosed with any other medical conditions in addition to the convulsions, it will likely be required by the underwriters that you have a more thorough medical exam performed before they can make a determination on your life insurance application.
In most cases, you will also need to submit a blood and urine sample. These samples are reviewed for certain types of health conditions that may pose a risk of claim to the life insurance company.
In addition, the life insurance underwriters will also review the basic application criteria when making a determination about your coverage. These factors will include the information regarding your:
- Smoking status / tobacco use
- Alcohol use
- Occupation and income (if applicable)
- Marital status
- Habits and hobbies
How to Help Your Chance of Life Insurance Approval with Convulsions
In order to help your chance of life insurance approval with convulsions, it is a good idea to check with several different insurance companies that are favorable high risk candidates in order to compare policies and premium quotes. When you do so, we can help you through the process. This is because we work with many of the top rated life insurance companies in the industry today – and we can get you information and quotes within seconds, right from the convenience of your home computer.
In order to begin the process, all you need to do is use the form on this page. If you have any questions, please feel free to contact us directly at 888-229-7522. The call is toll-free, and our experts will be able to help in answering any questions that you may have about life insurance, comparing quotes, and walking through the application process so that you get the protection that you need quickly.