How do I get burial insurance if I have Epilepsy?

Written by Advanced Mutual Group

 

We are affiliated with https://allstarseniorbenefits.com

You can get a life insurance policy with no questions asked. Yes, no health questions!Advanced Mutual Group
This is not for just epilepsy but any condition! So how and where do you get it? Advanced Mutual Group can give you some of the lowest rates of this type of policy.

Hi, my name is Mitch Winstead from Advanced Mutual Group. Our agency has been helping people just like you for over 36 years. We have a health background as a co-owner of a Physical Therapy practice. That among years of experience and expertise sets our agency apart from other agents or brokers. Our advice is free and if you call us you have no obligations to buy. Our toll-free number is 866-598-8170 or 910-452-1922. If you prefer email, please click this link mitch@allstarseniorbenefits.com. Our life insurance plans DO NOT require an exam. They are state regulated. We also have a quoting tool on our website if you would like an instant quote. Our secure website is https://advancedmutualgroup.com. We will not share or sell your information with anyone. We have a Facebook page that also has some helpful information from our other website Allstar Senior Benefits. Please click this link to visit us here www.facebook.com/medsuppguru. If you would like help in finding a lower cost Medicare Supplement, please visit us here by clicking this link www.allstarseniorbenefits.com Back to the subject of epilepsy and life insurance. The type of policy you would qualify for is called a “graded” life insurance policy.
What does that mean? A graded policy means you would pay your premiums monthly. If you pass away during the first two years of the policy, your beneficiary would receive 100-110 % of the premiums you paid in. After the first 2 years, your beneficiary would receive the full amount of the policy. So, for example, you have a $10,000 policy, they get $10,000. Some people do not like this because of the two-year wait. I can understand that. You want your policy to have the full face amount available when you leave this earth. However, life throws us curveballs in the sense that we get a health issue diagnosis. We don’t like curveballs of course. We must deal with them the best we can. If a person has a medical condition and cannot get approved for a life insurance policy, such as term life, universal life. It is because they cannot pass the health questions on the application and get declined. For example, one of the health questions on a life insurance policy may ask- have you had a heart attack, heart surgery or heart disease in the past 2 years? If that person has had a heart attack, they will get declined. I hate it when some of my clients get declined. I even have been declined on a health insurance policy. It stinks!
A guaranteed issue whole life policy would be your solution.   There is life insurance for epilepsy patients  You do not have to answer any health questions to qualify. Isn’t it better to have something rather than nothing?
At least have something for you and your family. You most likely want them to have enough money to buy you.

Also if you are being cremated you need at least $3000 for that type of burial. Then ask yourself if you want to leave your loved ones any extra money “love gift” to help pay your bills and their bills such as car payments mortgage, credit cards etc. It is going to be one of the worst days of their lives when you pass away. So please take care of them if you can. Let us now talk about the cost. On average you will pay 30% more for this type of policy. Again think of the alternative of having no burial insurance policy. The sooner you apply for burial insurance at the youngest age possible, the cheaper it will be. This is a whole life policy that doesn’t end until you pass away. This is not a term life policy that will run out in 10-20 years. It will build up cash value in 18-24 months. You can borrow money from your policy. You can actually make some of your premiums if you get in a financial jam. Be careful though because if you don’t pay the money back into your policy you will not have as much money to leave your beneficiary. Now let us cover the condition of epilepsy. Epilepsy affects 65 million people each year. When most of us think about epilepsy, we usually think about someone having a seizure. Some of you may know someone or even witnessed someone in a seizure episode. The definition of epilepsy is a Neurological disorder with recurrent episodes of sensory disturbance, loss of consciousness, or convulsions associated with abnormal electrical activity in the brain.

Epilepsy is a condition of the brain causing seizures. A seizure is a disruption of the electrical communication between neurons. Someone is said to have epilepsy if they experience two or more unprovoked seizures separated by at least 24 hours or after one seizure with a risk for more. The definition of a seizure seen and epilepsy are caused by disturbances in the electrical activity of the brain. The seizures and epilepsy may be related to a brain injury or a family tendency, but most of the time the cause is unknown. here are some facts about epilepsy and seizures. It has been said that epilepsy means the same thing as “seizure disorders”

The number of people around the world who have epilepsy is 65 million. 3.4 million of people in the United States have epilepsy. 1in 26 people in the United States will develop epilepsy at some point in their lifetime. Between 4 and 10 of 1000 people is the number of people on earth who live with seizures at any one time. There are a hundred fifty thousand new cases of epilepsy in the United States each year. One-third of the people with epilepsy live with uncontrollable seizures because there’s no available treatment that works for them. 6 out of 10 people with epilepsy have causes that are unknown.
The best way to manage seizures is to take a practical approach to emphasizing preparation, prevention, and teamwork. Living with epilepsy is more than just knowing your type of seizures or what medicine to take. People must learn how to respond to seizures in a variety of situations and be prepared to handle whatever comes your way. Living with seizures also means learning how to handle the way epilepsy affects your life including your social, emotional and physical well-being.

Here is what is suggested to have to help manage epilepsy and seizures.

1. a seizure response plan.
2. my Healthcare contacts.
3.questions for my team.
4. my to-do list.
5. a medicine schedule.
6. a tip on seizure observing recording lifestyle modification tips.
7 instructions using seizure calendars.
8 event calendar.
9 a seizure calendar.
10. a medical supplement and a camp checklist.

All of these tips will help manage epilepsy and seizures better. It is scary when you are with someone or notice someone having a seizure. Let’s talk about a seizure response plan. This would have your name address emergency contacts your birthday your phone number.
Information about seizures and what happens during one of my seizures.
How long will it last and how often do I have seizures. What are my triggers?
Daily seizure medicine that I take with all the details such as how many times do I take it each day the strength of the dose.
You can include other helpful items such as what kind of diet helps me avoid or manage seizures better or any special instructions.
Or other therapy that may help with your condition.

Here are some basic first aid tips for people who have seizures. If you walk up on somebody that has a seizure or are at work or in a social situation, here’s what to do. Keep calm provide reassurance and remove bystanders. Keep airway clear, turn on one side if possible, and make sure there’s nothing in the mouth. Keep safe and remove objects and do not restrain the person. Observe record what happens and write down the time. Stay with the person until they recovered from seizure. Provide other care if needed.

Call 911 if-

the seizure is longer than 5 minutes.
if 2 or more seizures keep recurring. If a home remedy treatment that worked before does not work.
If an injury occurred or suspected of a seizure occurs in the water.
If the breathing heart rate or behavior doesn’t return to normal.
If there is unexplained fever or pain that goes for 4 hours or a few days after a seizure.

Having seizures and epilepsy can affect safety, relationships, work, driving and so much more. Public perception and treatment of people with epilepsy are often bigger problems than actual seizures.

How is epilepsy diagnosed?

Medical history, neurological examination, blood work, and other tests are important in diagnosing epilepsy. Eyewitness accounts of a person in a seizure are very important in helping determine the type of seizure or seizures a person has and (EEG) Electroencephalography is a commonly used test to help diagnose seizures. An EEG record the brain’s electrical activity during the test. Some patterns of activity are unique to particular types of seizures. In some situations, CT scans, MRIs, and pet scans may be used to look at the internal structure and function of the brain. These tests may help pinpoint causes of seizures and epilepsy.

Now let’s talk about the different types of seizures.

Generalized Onset. Tonic-clonic grand mal convulsions, rigid muscles, jerking, typically last one to 3 minutes and is followed by a period of confusion.
Generalized onset absence Potette Mall Blank Stare lasting only a few seconds, sometimes with blinking or chewing motions.
Focal onset impaired awareness complex partial steering and days facial expressions person is not aware of what is going on or will not remember. The person may perform repetitive random movements and may not be able to talk normally, typically last one or two minutes and may be followed by confusion
Focal onset aware simple partial jerking in one or more parts of the body or sensory or perceptual changes that may not be obvious to onlookers, the person is aware of what occurs during a seizure.
Atonic drop attacks sudden collapse with recovery within a minute.
Myoclonic sudden brief, massive jerks including all or part of the body.

How is epilepsy treated?

Medication is used to treat epilepsy and it is called an anti-seizure medication. More than 30 anti-seizure medicines are currently approved to treat epilepsy. About 7 in 10 people achieve good seizure control on one or more of these medicines.
Other treatments are available if medicines don’t work. Some of the other treatments available are surgery. Surgery may be used for people who seizures do not respond to medication. Surgery may be recommended when a seizure focus can be determined and removal of all or part of the affected area can be performed without hurting vital functions like speech or movement.
Another alternative treatment is called vagus nerve stimulation or (VNS). A small device is implanted under the skin in the left side of the chest. A LED small thin wire or electrode goes from the device and attaches to the vagus nerve in the left side of the neck. The benefits of the VNS appear to improve over time. For example, after one or two years, up to 4 5 out of 10 people who have the VNS see their seizures decreased by 50% more.

Responsive neural stimulation or (RNS). A small device for the RNS is placed under the scalp in a small area of the skull or bone surrounding the brain. 1 of 2 wires from the device is able to sense a seizure and send small pulses of electrical current through the wires to help stop or lessen seizure activity. Like the VNS, the RNS does not cure epilepsy and may not work right away. Yet it can help stop or lessen the number of seizures a person has by 40 to 60% after 1 two 3 years.

Dietary Therapies, dietary therapies are used primarily in children, but some can also be very helpful in adults with seizures that do not respond to medicines. The most common dietary therapy is a ketogenic diet. This is a medically supervised high fat and low carbohydrate diet. It can help control seizures in about two out of three children who stay on the diet. Other less strict diets may also help to lessen seizures in some people.

I hope that a cure can be found for epilepsy soon. If I can answer any questions for you, please contact me. If you would like a quote on burial insurance, please let me know.  Or you have questions about life insurance with a pre-existing condition. Our agency has been helping people for over 36 years. Our website is http://www.advancedmutualgroup.com Our email address is Mitch@allstarseniorbenefits.com Our Facebook page is http://www.facebook.com/medsuppguru   Our toll-free number is 866-598-8170 or 910-452-1922.  Call us today! Thanks for reading!

About Advanced Mutual Group
About Advanced Mutual Group

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