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.