Life insurance for a child with Epilepsy

So, you’ve been told that your child doesn’t qualify for life insurance because he or she has epilepsy. I’m here to tell you that life insurance coverage is now available, even if the child has been declined in the past. Our agency provides affordable life insurance coverage for our clients with special needs, including epilepsy. And it couldn’t be easier to qualify…our application has only one health question:

“Are you currently confined to a hospital or hospice, or have you been told by a medical practitioner that you have a terminal illness?” If you answered “No,” keep reading.

Our plan guarantees anyone age 5 to 80 the opportunity to purchase up to $25,000 of permanent whole life protection by answering one simple health question. No medical information or exam is required. The death benefit in years one to three is limited to a return of premiums paid in the first year, 50% in the second year and 100% in the third year and thereafter. The full face amount of the policy is payable in all years in case of accidental death.

Plan Features

  • Choose from a $10,000 or $25,000 life benefit
  • NO medical or physical exam – only one (1) health question
  • Premium is fully-paid in 20 years
  • Policy builds cash value for your child’s future
  • Provides a $10,000 or $25,000 benefit for accidental death


Graded Death Benefit
Indiana & Ohio Whole Life Insurance Policy
20-Year Level Pay
$10,000 or $25,000 Benefit
Premium Rates *
  $10,000 Benefit $25,000 Benefit
  Male Female Male Female
Age Monthly Quarterly Monthly Quarterly Monthly Quarterly Monthly Quarterly
EFT ** EFT ** EFT ** EFT **
5  14.19 43.22 13.22 40.25 $31.56 $96.13 $29.12 $88.71
6 14.37 43.78 13.35 40.65 32.02 97.52 29.45 89.7
7 14.56 44.36 13.49 41.08 32.49 98.98 29.8 90.76
8 14.79 45.05 13.64 41.55 33.06 100.7 30.19 91.96
9 15.02 45.77 13.81 42.06 33.65 102.49 30.6 93.21
10 15.27 46.51 13.99 42.61 34.26 104.34 31.06 94.61
11 15.53 47.3 14.18 43.2 34.91 106.33 31.54 96.06
12 15.8 48.12 14.38 43.8 35.58 108.39 32.04 97.59
13 16.07 48.95 14.6 44.47 36.26 110.44 32.58 99.24
14 16.33 49.74 14.82 45.13 36.91 112.43 33.13 100.9
15 16.58 50.51 15.03 45.79 37.54 114.35 33.67 102.56
16 16.82 51.22 15.24 46.43 38.13 116.14 34.19 104.15
17 17.05 51.94 15.45 47.06 38.72 117.93 34.71 105.74
18 17.28 52.63 15.67 47.73 39.28 119.65 35.26 107.39

* Rates are current for Indiana in 2008 and subject to change without notice. Upon issue, rates remain level for twenty years, after which time the policy is paid in full and no premiums will be due.

** Monthly (EFT) – Bank draft from a checking account on the same day each month.

This page and illustrations provided are for summary purposes only and contain a general outline of coverages provided.  This is not a contract or policy. For a complete and detailed description of coverages and exclusions, refer to the policy forms. Eligibility is subject to underwriting approval by the insurance company.

(Indiana & Ohio Residents Only)

For ages 19+ please see our adults with special needs rates.


Epilepsy Research News — ScienceDaily

Read the latest medical research on epilepsy and seizures including new treatments and potential cures under development.
Novel compound switches off epilepsy development
Wednesday January 28th, 2015 04:38:30 PM

A novel compound helps curtail the onset and progression of temporal lobe epilepsy, researchers have discovered. The finding may contribute to the development of anti-epileptic therapies, they say.
Beneficial effects of surgery for epilepsy are sustained for more than 15 years
Tuesday January 27th, 2015 05:25:51 PM

Brain surgery for otherwise hard-to-treat epilepsy is effective for up to 15 years, according to a new survey. The findings were based on a telephone survey of patients who had a portion of their brains surgically removed, or resected, to treat localization-related epilepsy during an 18-year period.
Researchers find potential anti-cancer use for anti-epilepsy drug
Tuesday January 27th, 2015 03:06:36 PM

A drug used widely to combat epilepsy has the potential to reduce the growth and spread of breast cancer, scientists have discovered. The team found that "repurposing" antiepileptic drugs, such as phenytoin, that effectively block the sodium channels, could provide a novel therapy for cancer.
New 'systems genetics' study identifies possible target for epilepsy treatment
Friday January 23rd, 2015 01:17:11 PM

A single gene that coordinates a network of about 400 genes involved in epilepsy could be a target for new treatments, according to research. Epilepsy is a common and serious disease that affects around 50 million people worldwide. The mortality rate among people with epilepsy is two to three times higher than the general population. It is known that epilepsy has a strong genetic component, but the risk is related to multiple factors that are 'spread' over hundreds of genes.
Sleeping on stomach may increase risk of sudden death in epilepsy
Wednesday January 21st, 2015 10:35:34 PM

Stomach sleepers with epilepsy may be at higher risk of sudden unexpected death, researchers report, drawing parallels to sudden infant death syndrome in babies. Epilepsy is a brain disorder that causes repeated seizures and affects an estimated 50 million people worldwide.
Imaging scan records brain activity during epileptic a
Wednesday December 17th, 2014 12:41:56 PM

An imaging scan called SPECT records brain activity during epileptic seizures. The scan pinpoints where seizures originate, and helps in the planning of surgery to remove the part of the brain responsible for seizures.
'Microlesions' in epilepsy discovered by novel technique
Wednesday December 17th, 2014 02:18:09 AM

Using an innovative technique combining genetic analysis and mathematical modeling with some basic sleuthing, researchers have identified previously undescribed microlesions in brain tissue from epileptic patients. The millimeter-sized abnormalities may explain why areas of the brain that appear normal can produce severe seizures in many children and adults with epilepsy.