FREE expert help & advice 0800 083 2829

Contact our specialist team for FREE expert help & advice 0800 083 2829

Search

logonew png
Get a Quote
logonew png
Get a Quote

Cerebral Palsy Life Insurance

If you’ve been denied cover in the past, rely on The Insurance Surgery to help you find cerebral palsy life insurance to protect your loved ones’ finances. 

Get a Quote
Trustpilot

What Is Life Insurance for Cerebral Palsy?

Cerebral palsy is a complex medical condition with varying degrees of severity, meaning that people’s eligibility for life insurance can differ on a case-to-case basis. Those eligible will find that cerebral palsy life insurance offers their beneficiaries a lump sum payment if anything were to happen to them. This can support policyholders in a variety of ways, including:

  • Mortgage payments
  • Covering funeral costs
  • Leaving behind a lump sum
  • Paying off debts
  • Replacing lost income

How Does Cerebral Palsy Life Insurance Work?

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!

If you live with cerebral palsy and need life insurance, then there are a number of options to be able to get the cover you are looking for, depending on a number of key factors. Cerebral palsy life insurance underwriting can vary dramatically from one insurance provider to another based on the complexity of the conditions, which is why one of our dedicated advisers will take the time to familiarise themselves with your condition and insurance needs before searching for suitable cover. 

They’ll need to ask questions like:

  • Which type of cerebral palsy do you suffer from?
  • What form of treatment or medication is used?
  • How severe are your symptoms?
  • What was the date of your last attack? (e.g. seizure or blackout)

If you’ve been denied life insurance with cerebral palsy in the past, don’t feel defeated – you may have simply been looking in the wrong places. After a conversation with your advisor, they’ll be able to give you a clearer idea of your eligibility, as well as what other insurance options may be available to you. 

Critical Illness Cover

While it is possible to get critical illness cover for cerebral palsy, your eligibility will depend on the severity of your condition and whether you’ve had any recent attacks.

You’ll be asked to provide a copy of your medical records to give underwriters a full view of your health history.

Cerebral palsy critical illness cover may be offered with a range of different outcomes, which can be anything from a premium loading where the level of risk is increased, or you could be offered cover with certain exclusions relating to your condition.

Income Protection Insurance

In almost all cases, it is highly unlikely that income protection insurance will be available for someone who has been diagnosed with cerebral palsy.

You can discuss this with one of The Insurance Surgery’s advisers, who may advise you to consider other suitable insurance options.

You should consider life insurance if you have…

Dependants, like school-age children.

A partner who relies on your income.

A family living in a mortgaged or rented home.

In the event of your passing, a life insurance policy can provide financial support for your loved ones. You could also consider funeral cover, which pays for funeral expenses – easing the burden on your family during a difficult time.

However, you should check if you’re already covered through your employer’s benefits package, which often includes ‘death in service benefits’ linked to your salary. If so, you might not require an additional policy, BUT keep in mind that leaving your job or being made redundant could leave you without any cover!

Get a Quote
  • 15 Minute Read Time

Do You Need Life Insurance?

If you’re the primary breadwinner or share financial responsibilities, a life insurance policy can help your family maintain their standard of living in the unfortunate event that you’re no longer around to support them.

Read More

Life Cover Terminology

Understanding life insurance terminology is essential for policyholders to make informed decisions about their cover, we have broken down the meaning for some of the most used terms.
Read More

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 Cerebral Palsy Cost?

As with all types of life insurance, the costs can differ depending on a person’s circumstances and specific insurance needs. For example, how long will you be requiring cover, and how large will you need your payout to be? Factors like these will influence costs before your cerebral palsy and medical history are even considered.

If you’re looking to gain a better understanding of how much you can expect life insurance with cerebral palsy to cost in monthly premiums, we’re waiting with our calculators to give you a hand. We’ll get to know how your condition affects your life and advise on how much you can expect to pay in monthly premiums should your application be approved.

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.

How much cover do you need?

You can use our Cover Calculator below to determine how much cover you need. Additionally, you will need to take into consideration the following:

Any outstanding debts

Mortgage/rent

Number of dependants

Take-home pay or income from other sources

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 parents

Forbes Advisor, 2025

What Are the Different Types of Life Insurance Policies?

A term life insurance policy...

Term life insurance policy covers a specified duration, such as 10, 20, or 30 years. Should the insured individual pass away during this period, the policy pays a lump sum to their designated beneficiaries.
Find Out More

Whole-of-Life Insurance.

Whole-of-life insurance covers a person’s entire lifespan, provided premiums are consistently paid. It delivers a lump sum to beneficiaries upon the insured’s death.
Find Out More

Over 50s Life Insurance.

Over 50s life insurance guarantees acceptance without a medical report. With lower cover amounts and fixed premiums, it is used to cover funeral costs or leave a modest inheritance.
Find Out More

Joint Life Insurance.

Joint life insurance covers two individuals under one policy, typically a couple. It pays a lump sum when the first insured individual dies, closing the policy. It is available as both term and whole-of-life.
Find Out More

How different policies payout over time.

graph png

Benefit from Our Life Insurance Policies Today.

Relax, knowing that your family can receive the financial support that they need after you pass, and trust The Insurance Surgery to guide you through the life insurance process. With 25 years behind us, we are a trusted broker known for our expertise, prioritising transparency, and providing excellent customer service. So, rely on us to ensure you receive the cover you need at a fair and affordable price.

For a life insurance quote, contact us today on 0800 083 2829 to schedule a free consultation and take the first step towards protecting yourself and your loved ones financially.

Get a Quote
  • 15 Minute Read Time

Understanding Inheritance Tax (IHT) and Life Insurance

Understanding how IHT works and the ways to mitigate its impact can help you plan and ensure that your loved ones don’t face unexpected tax bills.  

Read More
Frame 119 png

Price Promise.

Obtain a cheaper quote elsewhere, we’ll beat<br>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.

Frequently Asked Questions

Does cerebral palsy affect life insurance?

Yes, cerebral palsy can affect your likelihood of obtaining life insurance. Depending on the severity of your condition, certain insurers may consider you too high risk for cover, but that doesn’t mean others won’t give you the offer that you deserve.

Many people with pre-existing medical conditions like cerebral palsy may initially struggle to secure life insurance, but they’re probably looking in the wrong places. Here at The Insurance Surgery, we have over 25 years of experience in finding people with existing conditions suitable cover, so get in touch! As specialists, we know the best insurers to go to in order to obtain policies that meet your needs and would genuinely benefit you.

Yes, you are able to have more than one ongoing life insurance policy. If you have doubts about your previous policy, however, and are looking for an updated one please speak to a member of our team – we can look at your current policy details and compare them to newer quotes.
If we can find you a better life insurance deal that offers better cover, or lower premiums we will make our recommendations. We will only ever suggest a switch to a new life insurance provider if we think that it is the right option for you.

The Insurance Surgery is a specialist in finding people life insurance with medical conditions and has helped thousands of people who have been previously rejected secure the cover that they require. Our experts are passionate about supporting people in obtaining the security and peace of mind that they deserve. 

Get in contact with our team today to be paired up with one of our dedicated specialists to get free advice on life insurance for cerebral palsy. 

Life insurance is unique – just like you.

Life Insurance for Parents

Find Out More

Life Insurance for Dads

Find Out More

Life Insurance for Sports & Hobbies​

Find Out More

Life Insurance for Self-Employed

Find Out More

Income Protection

Find Out More

Life Insurance for Smokers

Find Out More

For More Information, Check Out Our Latest Blogs

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

We aim to provide clear advice, breaking down the jargon, so you understand the importance of protection insurance.
View more
  • 29 April 2025

Does Life Insurance Cover Suicide

Does life insurance pay out for a suicidal death? Yes, life insurance can pay out…
Continue Reading
  • 28 April 2025

A Guide to Index Linking

What Is Index Linking? Index linking in life insurance (also known as inflation-linked life insurance)…
Continue Reading
  • 9 April 2025

Benefits of Whole of Life Insurance vs Term Insurance: Which Is Best for You?

Understanding the difference between whole of life insurance and term life insurance can seem like…
Continue Reading
  • 21 February 2025

Do Young Mums Need Life Insurance?

Being a mum is an incredible journey—full of giggles, late-night cuddles, and the occasional toddler…
Continue Reading
  • 29 April 2025

Does Life Insurance Cover Suicide

Does life insurance pay out for a suicidal death? Yes, life insurance can pay out…
Continue Reading
  • 28 April 2025

A Guide to Index Linking

What Is Index Linking? Index linking in life insurance (also known as inflation-linked life insurance)…
Continue Reading
  • 9 April 2025

Benefits of Whole of Life Insurance vs Term Insurance: Which Is Best for You?

Understanding the difference between whole of life insurance and term life insurance can seem like…
Continue Reading
  • 21 February 2025

Do Young Mums Need Life Insurance?

Being a mum is an incredible journey—full of giggles, late-night cuddles, and the occasional toddler…
Continue Reading

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
Get a Quote
Trustpilot

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
logonew png

Products & Services

Helpful Links

Contact Us

Follow Us

Twitter Linkedin-in Facebook-f Youtube

Follow Us

Twitter Linkedin-in Facebook-f Youtube
logonew png

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.