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Welcome to The Insurance Surgery's page that is specifically designed for clients who are Epileptic.

The Insurance Surgery specialise in obtaining financial services for clients who are Epileptic.

Whether you are looking for Life Insurance, Travel Insurance, Income Protection Insurance or would just like to obtain the information we will do our utmost to help.

We also offer information on Impaired Life Annuities and Care Home Insurance Plans for clients who are Epileptic.

If you are Epileptic and you require a quotation for life insurance please note that we guarantee to obtain the most competitive life insurance quotes on the market.

Below is our summary of how being Epileptic may affect your insurance needs.


Epileptic and Life Insurance

If you are Epileptic and you wish to apply for life insurance it may be possible to secure you cover either at ordinary rates or with an increase in premium . It will, however, be necessary to obtain full details of your illness to obtain a definite quotation for life insurance. Please note this information is for illustration purposes only and we cannot guarantee that a client who is Epileptic will obtain life insurance.

Epileptic and Critical Illness Insurance

If you are Epileptic and you wish to apply for Critical Illness Insurance it may be possible to secure you cover with an increase in the premium. It will, however, be necessary to obtain full details of your illness to obtain a definite quotation for Critical Illness Insurance. Please note this information is for illustration purposes only and we cannot guarantee that a client who is Epileptic will obtain Critical Illness Insurance and if cover can be arranged it may be subject to certain exclusions.

Epileptic and Income Protection Insurance

If you are Epileptic and you wish to apply for Income Protection Insurance it may be possible to secure you cover with an increase in the premium. It will, however, be necessary to obtain full details of your illness to obtain a definite quotation for Income Protection Insurance. Please note this information is for illustration purposes only and we cannot guarantee that a client who is Epileptic will obtain Income Protection Insurance and if cover can be arranged it may be subject to certain exclusions.

Epileptic and Travel Insurance

If you are Epileptic and you wish to apply for travel insurance it may be possible to secure you cover at ordinary rates or with an increase in either the premium or medical excess on the policy. It will, however, be necessary to supply full details of your illness to a medical screening line to obtain a definite quotation for travel insurance. Please note this information is for illustration purposes only and we cannot guarantee that a client who is Epileptic will obtain travel insurance.

Epileptic and Private Medical Insurance

If you are Epileptic and you wish to apply for Private Medical Insurance it is highly unlikely that you will obtain cover for your illness or any other pre-existing medical condition. It will, however, be necessary to obtain full details of your illness to obtain a definite quotation for Private Medical Insurance. If you wish to obtain cover for your pre-existing condition we would suggest considering our Health Cash Plan. Please note this information is for illustration purposes only and we cannot guarantee that a client who is Epileptic will obtain Private Medical Insurance.

Epileptic and Impaired Life Annuities

If you are Epileptic and you wish to apply for an enhanced impaired life annuity it is unlikely you will receive preferential rates. It will, however, be necessary to obtain full details of your illness to obtain a definite quotation for an enhanced impaired life annuity. Please note this information is for illustration purposes only and we cannot guarantee that a client who is Epileptic will obtain an enhanced impaired life annuity.

Epileptic and Care Home Insurance Plans

If you are Epileptic and you wish to apply for a Care Home Insurance Plan it is unlikely you will receive preferential rates. It will, however, be necessary to obtain full details of your illness to obtain a definite quotation for a Care Home Insurance Plan. Please note this information is for illustration purposes only and we cannot guarantee that a client who is Epileptic will obtain a Care Home Insurance Plan.

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.


Epileptic Life Insurance related News

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