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Epilepsy Life Insurance

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Epilepsy Life Insurance

Life Insurance for people who suffer from Epilepsy can almost always be obtained and premiums will depend on type of Epilepsy and severity. Our Life Insurance for Epilepsy page will explain how underwriting works and what the premiums will depend on.



How it works

Considerations when applying for life insurance with Epilepsy

  • Type of Epilepsy (e.g. Grand Mal / Petit Mal)
  • Severity and frequency of seizures / attacks
  • Date of diagnosis
  • Medication / Control method
  • Any hospitalisation
  • Any underlying cause
  • Other related / non-related conditions

Our team of life insurance experts specialise in helping people with pre-existing medical conditions such as Epilepsy. We aim to find you the best cover for you, your family or your business and with the most competitive premiums.

Case Study 1

  • Client: Male
  • Age: 42
  • Smoker status: Non-smoker
  • Medical conditions: Depression and Alcoholism (recovering)
  • Cover date: 18th March 2020
  • Product: Decreasing Life Insurance
  • Cover amount: £210,000
  • Cover term: 29 years
  • Premium: £20.37

We were approached by this gentleman on the 28th February 2020 when he completed an enquiry through our website. Our advisor Karl then contacted him to further discuss his life insurance needs and any pre-existing medical conditions he may have. This is when the gentleman disclosed that he was a recovering alcoholic with depression. Karl then requested further information from the client, this is when he explained that he has been in recovery since 2014 and has been sober ever since. He then went onto explain that his depression is mild, and he currently doesn’t require any treatment for it. After taking this information on board, Karl then asked the gentleman why he needed life insurance, how much he wanted and for how long. The gentleman then explained that he needed cover for his mortgage and therefore needed £210,000 of cover for a 29-year period. Due to the fact that he needed the cover for his mortgage, Karl suggested decreasing cover as it is cheaper than level cover and designed to cover mortgages. The gentleman agreed that this was the best option for him, and so on the 18th March 2020 Karl secured the gentleman £210,000 of cover for a 29-year period for a monthly premium of £20.37.

This is an amazing outcome as the gentleman now has the protection that he deserves. He was delighted with the outcome as Karl managed to secure him the cover he needs within his budget so he has peace of mind that his family will be protected should the worst happen. Furthermore, this is a brilliant out come for us as we are passionate about protecting people and love finding people the protection that they deserve.

Case Study 2

  • Client: Male
  • Age: 27
  • Smoker status: Smoker
  • Medical condition: Focal epilepsy and anxiety
  • Cover date: April 5th, 2020
  • Product type: Level Life Insurance
  • Cover amount: £150,000
  • Cover term: 33 years
  • Premium: £13.28

We were approached by this gentleman early this year when he completed an enquiry through our website. Our advisor Mark S then called him to discuss his life insurance needs and his pre-existing medical conditions. At this point he explained that he has focal epilepsy and anxiety, and that he is a smoker; he then went on to explain that he was looking for £150,000 over 33 years to protect his family when he passes away. Mark S then applied the gentleman to one of our mainstream providers and, a few weeks later, secured the gentleman £150,000 of cover for 33 years for a monthly premium of £13.28. The gentleman was over the moon that he was able to get the cover that he needed so quickly as he now has peace of mind that his family is protected should anything happen to him within the policy term.

As a whole we were also delighted to be able to help the gentleman find cover as it means that his family have the protection that they were previously lacking. Furthermore this is a fantastic premium given his medical history and the fact the he is a smoker.

Case Study 3

  • Client: Female
  • Age: 48
  • Smoker Status: Non-Smoker
  • Condition: Epilepsy
  • Type / Seizures: Petit Mal - Absence Seizures
  • Attacks per Year: 50
  • Date of Diagnosis: 1969
  • Cover Date: November 2016
  • Product Type: Level Term Assurance - Family Protection
  • Cover Amount: £20,000
  • Cover Term: 20 years
  • Premium: £15.34

Most Common Questions

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). It can be possible to obtain life insurance for Epilepsy at standard rates with no loading in less serious casis if the right insurance provider is selected.
It is possible that you may have spoken to an insurance company or broker in the past who is not a specialist and therefore does not know which provider will offer cover. The Insurance Surgery specialises in finding cover for people with pre-existing medical conditions such as epilepsy and therefore we understand underwriting more than most other companies.
It may not necessarily be the case that you will have to pay more for your life insurance than someone who is regarded as perfectly healthy, however, that depends on your circumstances and which provider you apply to. Generally in the case of Petit Mal Epilepsy, there should be no loading applied to your premiums. We will search the whole market to find who will offer you the most competitive premiums for you and your family.
As with life insurance, if you suffer from Petit Mal Epilepsy then you should be able to obtain Critical Illness Cover in the majority of cases with no exclusions or loading. In the case of Grand Mal Epilepsy, it should also be possible to obtain Critical Illness Cover, however there may be a loading to the premium and some exclusions may be applied in limited cases.

Independent Reviews at


Epilepsy and Life Insurance:

If you suffer from Epilepsy and are looking for life insurance then generally the results can be positive and you will be pleased to hear that it is in many cases, very possible to get cover to protect your family or your business. The majority of cases that we see now are accepted and a large number of those cases are offered at standard rates with ‘no loading’.

In the case of Absence Seizures Epilepsy (previously Petit Mal) we are usually able to obtain life insurance without a further loading to the premium (standard rates) from several insurance providers. Underwriters will want to know the frequency and severity of your seizures and for less than 50 per or if you haven’t had a seizure for over 6 months, then standard rates will generally apply (for some insurance providers).

For Grand Mal (generalised tonic-clonic seizure) which is the more common type of epilepsy, there could be a loading applied to the premium, again depending on frequency and severity of your seizures (insurance providers will vary). The current underwriting approach for most providers will generally mean that less than 12 attacks per year will attract a minor loading and over 12 attacks per year will mean a slightly higher loading. For anyone who has not experienced any symptoms or seizures for a number of years could find that you will pay standard rates for cover.

Critical Illness Cover and Epilepsy:

For people who suffer from Epilepsy and are looking for some sort of Critical Illness Cover, the results can be positive as generally CIC is available for people living with Epilepsy.

As long as your Epilepsy is under good control and in cases where you have not experienced any symptoms or seizures for a period of several years, then standard rates should apply. For people with Absence Seizures (Petit Mal) Epilepsy, you should be able to obtain cover with no additional loadings or exclusions. For anyone with Grand Mal (generalised tonic-clonic seizure) Epilepsy then you will find that you are more likely to incur a small loading to your premium, and potentially an exclusion for Epilepsy or Neurological conditions to the TPD element of your policy.

Income Protection for people with Epilepsy:

Income Protection can be slightly more difficult to buy if you suffer from Epilepsy, however in many cases it is available and can still be provided with no loading to your premium. There also could be some exclusions applied with Income Protection for people who have epilepsy.

In the case of people who have Absence Seizures (Petit Mal) Epilepsy, you could find that you will be able to obtain cover at standard rates with some exclusions relating to your Epilepsy. For anyone with Grand Mal (generalised tonic-clonic seizure) Epilepsy, you may find that you will be offered either terms / cover with exclusions or in some cases a higher premium. You will need to consider which option is best for you and make sure that you read all policy wording carefully before you accept cover.

Facts about Epliepsy:

Epilepsy is a neurological condition (disease of the central nervous system) which causes attacks (also known as seizures) due to disruption in the nerve cell activity.

Seizures can vary widely from one person to another and from one episode to another, causing affects such as abnormal behaviour, convulsions, blackouts / loss of consciousness. These attacks can come infrequently and can vary in duration / severity.

Epilepsy statistics (UK):

  • Currently around 500k people (1 in 100) have Epilepsy
  • 87 people are diagnosed with Epilepsy each day
  • Over 50% of people are seizure free
  • Roughly 5 in 100 people will have an Epileptic seizure in their lives (4 out the 5 people will go on to develop Epilepsy)
  • Epilepsy can affect anyone and at any age


Types of Epilepsy

There are 2 main types of Epilepsy which are Petit Mal (absence seizures) and Grand Mal (generalised tonic-clonic seizure) which generally differ only in terms of severity of the attacks.

Petit Mal (absence seizures):

An absence seizure (formerly known as Petit Mal) is less common and the seizure can begin suddenly without any prior warning. This type of seizure tends not to cause any loss of consciousness.

Grand Mal (generalised tonic-clonic seizure):

A Grand Mal seizure will generally result in loss of consciousness with potentially violent muscular convulsions. This type of seizure is more common and can appear to be quite disturbing for anyone not used to seeing this type of attack.

Useful Links:

Epilepsy Action: www.epilepsy.org.uk
Epilepsy Society: www.epilepsysociety.org.uk
Epilepsy Research UK: www.epilepsyresearch.org.uk
NHS Choices (Epilepsy): www.nhs.uk/Conditions/Epilepsy/Pages/Introduction.aspx

The Insurance Surgery is a leading life insurance expert for people with medical conditions such as Epilepsy. We understand your needs more than anyone and we know exactly what to do to get the best cover at the right price


At The Insurance Surgery we are specialists in finding competitive insurance for clients with Epilepsy.

If you have Epilepsy it is important to ensure that you use a specialist broker to source your life insurance, travel insurance and other financial products.
We have, since 1999. Helped hundreds of people with Epilepsy and other medical conditions source cheap financial products.
Our specialist knowledge allows us to make sure you apply to the most appropriate insurance company for your Epilepsy. Whether you are looking for Epilepsy Life Insurance. Travel Insurance or Income Protection Insurance we will always try and help.
Below is a quick summary of how Epilepsy may affect your insurance policies.

How Epilepsy affects your life insurance will depend on various factors such as the type of Epilepsy, the number of seizures you have and the medication you take. Life Insurance companies will take all the information into account and will typically apply a loading to the policy. At The Insurance Surgery, we will ensure that your life insurance application is dealt with by a life insurance company that is ‘Epilepsy friendly’.
Obtaining travel insurance when you have Epilepsy can be a long winded process. We have developed a travel insurance system where you simply enter the details of your Epilepsy once and we will provide you with travel insurance quotations from over 20 companies.
If you live with Epilepsy, Critical Illness Insurance is possible to obtain but will usually attract either a higher premium or will have exclusions relating to epilepsy. Please feel free to contact us and we will look at your personal circumstances to see which critical illness insurance policy is the most suitable for your Epilepsy.
Income Protection Insurance may be available to people with Epilepsy dependant on how severe and regular your Epilepsy seizures are. It may be possible to provide income protection with an increase in premium or with your Epilepsy excluded.
As Epilepsy is classed as a chronic condition it is unlikely that you will obtain Private Medical Insurance without Epilepsy excluded. You will, however, be able to obtain cover for other conditions that are not related to the Epilepsy. Contact us to see what Private Medical Insurance options are available.


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