Partial Seizures and Final Expense Insurance in 2026

Why Traditional Life Insurance Is Difficult with Partial Seizures

If you have applied for life insurance and been turned down because of your seizure history, you are not the only person who has gone through that. Many of our clients come to us after one or more denials, and we understand how frustrating that feels.

Traditional life insurance carriers and even most simplified issue products ask detailed questions about neurological conditions. They want to know your seizure frequency, your medications, and when your last episode occurred. For people living with partial seizures, especially those with recent or ongoing episodes, these applications often result in a decline or a postponement. Readers whose episodes fall outside the partial category can use our Seizures final expense insurance page, which follows a broader seizure history through the no-questions route.

This does not mean you are “uninsurable.” It means those particular products were not designed for your situation. There is a product that was built for exactly this purpose. For applicants whose seizure pattern differs, see our Tonic Clonic Seizures final expense insurance for a final expense route organized around tonic clonic episodes.

How Guaranteed Issue Final Expense Insurance Works

Guaranteed issue life insurance is different from traditional coverage in one major way. There are no health questions on the application. None about seizures, none about medications, none about your medical history at all.

Here is what you can expect from guaranteed issue plans.

• No medical exam required
• No health questions asked
• Acceptance is guaranteed if you fall within the eligible age range
• Available ages are typically 45 to 85
• The application process takes just minutes

If you meet the age requirement, you are approved. That is the entire point of this type of coverage.

What to Expect from Coverage and Costs

Guaranteed issue final expense policies are designed to cover burial costs, cremation, outstanding medical bills, and other end of life expenses. They are not meant to replace income for decades.

Coverage amounts typically range from $5,000 to $25,000, with some carriers offering up to $50,000. In some cases, you can combine multiple policies from different carriers to reach a higher total benefit.

The graded benefit period is the most important detail to understand. Most guaranteed issue policies include a two to three year waiting period. If you pass away from natural causes during that graded period, your beneficiaries receive a return of all premiums paid plus interest (typically around 10%). After the graded period ends, the full death benefit is paid out. Accidental death is usually covered at the full benefit amount from day one.

Cost reality. Guaranteed issue coverage costs more per dollar of benefit than traditional life insurance. That is the trade off for guaranteed acceptance. To put it in real terms, a $15,000 policy might cost between $70 and $100 per month depending on your age. Premiums are locked in once you are approved, so your rate will never increase.

Why an Independent Agency Makes a Difference

Even among guaranteed issue products, there are real differences between carriers. Graded benefit periods vary. Maximum face amounts differ. Monthly premiums can swing significantly for the same coverage amount. Some carriers offer better terms for certain age groups.

This is where working with an independent agency matters. Insurance By Heroes was founded by a former first responder and military spouse, and every member of our team comes from a background in public service. We built this agency on the belief that protecting families is an act of duty, and we bring that same level of care to every person we work with, regardless of background or health history.

Because we are independent, we are not locked into one carrier’s products. We compare guaranteed issue options from many different insurance companies to find the plan that gives you the most coverage for your budget. When you request a quote through us, we do the comparison work so you do not have to.

Making the Decision

If you are considering guaranteed issue final expense insurance, there are a few things worth thinking about.

Apply while you can. Your age directly affects your premiums, and eligibility windows do close. Every month you wait means a slightly higher cost.

Think about what you need covered. Average funeral costs in the United States now exceed $7,000, and that does not include cemetery fees, flowers, or any outstanding debts. A $10,000 to $20,000 policy can prevent your family from scrambling to cover those costs.

Address the cost concern honestly. Yes, guaranteed issue premiums are higher than traditional policies. But compare that monthly cost to the alternative of leaving your family with thousands of dollars in unexpected expenses. For many families, $70 to $100 per month is a manageable commitment that provides real peace of mind.

Getting a quote costs nothing and takes only a few minutes. It is worth seeing what your actual numbers look like.

FAQ

Can I get life insurance if I have partial seizures?

Yes. Guaranteed issue final expense insurance does not ask any health questions, so your seizure history will not affect your eligibility. If you meet the age requirements, you are approved.

How much does guaranteed issue life insurance cost?

Costs depend on your age and the amount of coverage you choose. As a general example, a $15,000 policy might run between $70 and $100 per month. Requesting a free quote is the fastest way to see your specific pricing.

What is the graded benefit period?

The graded benefit period is a two to three year window at the start of your policy. If you pass away from natural causes during this period, your beneficiaries receive all premiums paid back plus interest. After the graded period, the full death benefit applies. Accidental death is typically covered in full from day one.

How much coverage can I get with guaranteed issue?

Most guaranteed issue final expense policies offer between $5,000 and $25,000 in coverage. Some carriers go up to $50,000. An independent agent can help you explore whether combining policies from different carriers makes sense for your situation.

Related health conditions

Readers exploring final expense routes after health-related underwriting questions can also review final expense insurance for leukocytosis, final expense insurance rates for CIDP and final expense coverage for thrombocytopenia.