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Epilepsy Life Insurance

Trust in The Insurance Surgery to find you the perfect life insurance for epilepsy and enjoy the peace of mind and financial security that comes with taking out a policy.

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What Is Epilepsy Life Insurance?

This type of life insurance protects the financial futures of those living with epilepsy. Now, trying to find life insurance with a pre-existing medical condition can be daunting, but life insurance with epilepsy can almost always be obtained. Premiums can depend on the type of epilepsy and its severity, but The Insurance Surgery can support you with expert advice on the policies that will work best for you.

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How Will Life Insurance Benefit You?

STEP 1
Complete form
STEP 2
Speak to us about your needs
STEP 3
We’ll search the market
STEP 4
We recommend the best product to suit your needs
STEP 5
Tell us when you want it to start!

You will be pleased to hear that many people are successful in getting epilepsy life insurance cover to protect their family or their business. If your epilepsy is well managed and you have not experienced any symptoms or seizures for a number of years, you could find that you pay standard rates for cover with ‘no loading’.

To help us find life insurance that best suits your situation, it would be great to have the following information when you make your application:

  • Type of epilepsy
  • Date of diagnosis
  • Any hospitalisation
  • Any underlying cause
  • Medication / Control method
  • Severity and frequency of seizures/attacks

Critical Illness Cover

Offering a lump sum payout, Critical illness cover is generally available to those with epilepsy. As long as your epilepsy is under good control, then standard rates should apply. Good control usually means that you have not experienced any symptoms or seizures for a period of several years.

For people with Absence Seizures (Petit Mal) Epilepsy, you should be able to obtain cover with no additional loadings or exclusions.

Those with Tonic-Clonic Seizures (Grand Mal) Epilepsy, however, may find that they are more likely to incur a small loading to your premium. There may also be an exclusion for epilepsy or neurological conditions to the TPD (Total and Permanent Disability) element of your policy.

Income Protection Insurance

Income protection insurance tends to be difficult to obtain if you suffer from epilepsy. However, in many cases, it is available with no loading to your premium. There could also be some exclusions applied to income protection for people who have epilepsy.

If you have Absence Seizures (Petit Mal) epilepsy, you may find that you will be able to get cover at standard rates, but there may be some exclusions relating to your epilepsy.

Anyone with Tonic-Clonic Seizures (Grand Mal) epilepsy may find that you will be offered terms or cover with exclusions. In some cases, you may also have to pay a higher premium.

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Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

We take pride in the experience that we offer, guaranteeing excellent service at all times.

25 years Experience.

With 25 years of specialist life and protection experience, we can find the perfect policy for you.

Access to a range of insurers.

With a broad selection of partners, we are well-equipped to find the best insurance deals for you.

Award-winning broker.

Known for making insurance simple, The Insurance Surgery is a trusted, award-winning broker.

How Much Does Life Insurance for Epilepsy Cost?

As epilepsy is a complex condition with many different seizure types, each application is judged on a case-by-case basis. Generally, the current underwriting approach is that less than 12 attacks per year will attract a minor loading to the policy. Over 12 attacks per year will mean a slightly higher loading.

However, if your epilepsy is controlled by medication, your seizures don’t include a loss of consciousness, and you haven’t experienced a seizure in the past six months, you will likely avoid any inflation on your premium.

Here at The Insurance Surgery, we can help you find the most suitable policy that accommodates your insurance requirements and offers affordable premiums within your budget.

Your life insurance quote can depend on a wide range of circumstances, including factors like:

Your age

Your lifestyle

Your family’s medical history

Smoker Status

The length of your policy

Your occupation

Medical conditions

For a clearer idea of the average cost of life insurance, visit our Guide.

Epilepsy Life Insurance Case Study 1

Tom is 39 and is living with epilepsy. He has a family history of cancer and is looking for replacement life insurance and critical illness cover to support his partner and two children.

We found Tom the policy below:

Cover Type:

Life & critical illness cover

Monthly Premium
Cost:

£17.88

Cover Amount:

£30,000

family with their dog

Epilepsy Life Insurance Case Study 2

James is 35 with epilepsy and is looking for level term life insurance over a 50-year term. He wants this term life insurance to protect the financial futures of his wife and daughter.

We found James the policy below:

Cover Type:

Level life insurance

Monthly Premium:

£25.78

Payout:

£150,000

family on the beach. child on dads shoulders

Speak to our team of experts for FREE
specialist advice today.

Monday to Thursday:

9:00am – 8:00pm

Friday:

9:00am – 3:00pm
Get a Quote
Call us on 0800 083 2829

Facts About Life Insurance.

Life insurance can serve multiple purposes, including income replacement, wealth transfer, estate planning, and business succession. But how does life insurance shape up with the UK population?

7.5 million families

in the UK have no life insurance or critical illness cover.

£40,000

The average life insurance policy in the UK covers only about £40,000.

28%

of UK adults believe life insurance is too expensive.

30%

of people get life insurance due to becoming a parent.

Forbes Advisor, 2025

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Price Promise.

Obtain a cheaper quote elsewhere, we’ll beat
the price and also give you a £50 gift card!

We are committed to offering unbeatable prices. Our
Price Promise ensures that we will find you the right
cover for your circumstances.

*Please see the Price Promise Terms & Conditions for more information.

Frequently Asked Questions

Can I get life insurance with epilepsy?

Yes, it is possible to secure affordable life insurance premiums with epilepsy. How much you might pay, however, can differ. It all depends on the type of Epilepsy (e.g. Grand Mal or Petit Mal) and the severity of the condition (e.g. frequency/severity of attacks).

With the right insurer and less severe cases, it can be possible to obtain life insurance for epilepsy at standard rates with no loading. 

You may have previously spoken to an insurance company or broker who is not a specialist. This would mean they struggle to find a provider offering cover. The Insurance Surgery, however, specialises in finding cover for people with pre-existing medical conditions, including epilepsy, so get in touch today.

Life insurance with medical conditions like epilepsy can cost more because the insurer’s risk of a payout is generally higher. As we’ve mentioned, however, it is possible to secure standard rates for less serious cases.

Yes, we do. Although obtaining travel insurance when you have epilepsy can be a long-winded process, we have a partner who has developed a travel insurance system where you simply enter the details of your epilepsy. 

You only need to do this once, making finding the right travel insurance quicker and easier. Using your details, we will provide travel insurance quotations from over 20 companies.

Here at The Insurance Surgery, we pride ourselves on our ability to find perfect policies for people with pre-existing medical conditions like epilepsy. With 25 years of experience behind us, you can rest assured that all of your policy needs will be taken into account during our search.

So get in touch with The Insurance Surgery today to be teamed up with one of our dedicated advisors, who can make your insurance journey simple.

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Stay informed with the latest updates in the insurance industry for 2025 here.

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Speak to our team of experts for FREE
specialist advice today.

Monday to Thursday:

9:00am – 8:00pm

Friday:

9:00am – 3:00pm
Get a Quote
Call us on 0800 083 2829

Speak to our team of experts for FREE
specialist advice today.

Monday to Thursday:

9:00am – 8:00pm

Friday:

9:00am – 3:00pm
Get a Quote
Call us on 0800 083 2829
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Copyright © 2025 The Insurance Surgery Ltd. The Insurance Surgery is authorised and regulated by The Financial Conduct Authority. We are entered on the Financial Services Register No 401425 at https://www.fca.org.uk Registered in England and Wales. No 5137288. Registered and trading from 2nd Floor, Pickford Street Mill, Pickford Street, Macclesfield, SK11 6JD The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.

Price promise terms & conditions: Please read our price promise terms and conditions which will tell you more about our promise.