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.