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Epilepsy Life Insurance

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Epilepsy Life Insurance

Looking for a Life Insurance policy when you have a pre-existing condition can be daunting. However, life insurance for people who suffer from Epilepsy can almost always be obtained. Premiums will depend on the type of Epilepsy and severity. Our Life Insurance for Epilepsy page will explain how underwriting works and what the premiums will depend on.

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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. We also pride ourselves on finding the most competitive premiums.
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Frequently Asked Epilepsy Life Insurance Questions

We answer your most frequently asked 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. This is for less serious cases if the right insurance provider is selected.

You may have spoken to an insurance company or broker in the past who is not a specialist. This would mean that they struggle to find a provider who will offer cover. The Insurance Surgery specialises in finding cover for people with pre-existing medical conditions including epilepsy. We understand underwriting more than most other companies.

It may not necessarily be the case that you have to pay more for your life insurance. You may be able to pay a similar premium to 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.

If you suffer from Petit Mal Epilepsy, you should be able to obtain Critical Illness Cover in the majority of cases. This cover should be 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.

Epilepsy Case Studies

Epilepsy Life Insurance cover

If you suffer from Epilepsy and are looking for life insurance then generally the results can be positive. By filling out our life insurance quote form, we can start to find a policy that you are happy with.

You will be pleased to hear that many people are successful in getting cover to protect their family or their business. The majority of cases that we see do tend to be accepted. 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. Several insurance providers can offer a premium at standard rates.

Underwriters will want to know the frequency and severity of your seizures and for less than 50 per. If you haven’t had a seizure for over 6 months, then standard rates will generally apply (for some insurance providers).

Grand Mal (generalised tonic-clonic seizure) is the more common type of epilepsy. For this type of epilepsy, there could be a loading applied to the premium. Again, this is dependent on frequency and severity of your seizures (insurance providers will vary).

Generally, the current underwriting approach for most providers 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.

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.

Critical Illness Cover and Epilepsy

If you suffer from Epilepsy and are looking for Critical Illness Cover, the results can be positive. It is generally available and your personal circumstances will decide on whether you have to pay a small loading.

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. If you have Grand Mal (generalised tonic-clonic seizure) Epilepsy, you may find that you are more likely to incur a small loading to your premium. Potentially an exclusion for Epilepsy or Neurological conditions to the TPD element of your policy may occur too.

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.

If you have Absence Seizures (Petit Mal) Epilepsy, you could find that you will be able to obtain cover at standard rates. There may however be some exclusions relating to your Epilepsy.

Anyone with Grand Mal (generalised tonic-clonic seizure) Epilepsy may find that you will be offered terms or cover with exclusions. In some cases you may have to pay a higher premium.

You will need to consider which option is best for you. Make sure that you read all policy wording carefully before you accept cover.

Facts about Epliepsy

Epilepsy is a neurological condition and is a disease of the central nervous system. Epilepsy 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. They can cause abnormal behaviour, convulsions, blackouts and loss of consciousness. These attacks can come infrequently and can vary in duration / severity.

Epilepsy statistics (UK):

  • Currently around 500,000 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 of those 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). These only generally differ 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)

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.

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

If you have Epilepsy, it is important to use a specialist broker to source your financial products including life insurance and travel insurance.

Since 1999, we have 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.

Epilepsy Life Insurance Cover

How Epilepsy affects your life insurance will depend on various factors. These include 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 can search the whole market for a policy that is best for you. We will ensure that your life insurance application is dealt with by a life insurance company that is ‘Epilepsy friendly’.

Epilepsy and Travel Insurance

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. From there, we will provide you with travel insurance quotations from over 20 companies.

Epilepsy and Critical Illness Insurance

If you live with Epilepsy, Critical Illness Insurance is possible to obtain. You will usually find though that your insurance attracts either a higher premium or will have exclusions relating to epilepsy.

Please feel free to contact us about your personal circumstances. We can then look to see which critical illness insurance policy is the most suitable for your Epilepsy.

Epilepsy and Income Protection Insurance

Income Protection Insurance may be available to people with Epilepsy depending 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.

Epilepsy and Private Medical Insurance

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.

Useful Links

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 how to get the best cover at the right price
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