Epilepsy/Seizure Disorder

This is an event of altered brain function due to an abnormality of excessive electrical discharges from the brain cells. There are many different types of seizures and forms of epilepsy.

Likely Underwriting Decision

Best Case: Generalized or partial, cause unknown, over 3 years since diagnosis, with a past history of 3 seizures or less per year and no seizure in the last year: Preferred

Typical Case: Generalized or partial, cause unknown, 1-3 years since diagnosis, 3 or less seizures per year: Standard to 150%

Worst Case: Decline if poor compliance with medication, history of alcohol abuse, frequent accidents, seizures cannot be controlled with medication

Factors Affecting the Decision

  • Age at onset
  • Compliance with medication
  • Control of seizures
  • Reason for the seizure activity
  • Any alcohol use
  • Any other significant medical conditions

Fast Track the App

Requirements:
APS

Fast Track:

  • Type of epilepsy
  • Age diagnosed
  • Duration of history
  • Date of last seizure and number of seizures per year
  • Medications