Epilepsy life insurance

The good news is yes, it's very possible to arrange life insurance if you suffer from epilepsy.

Though it’s often believed that all epileptics experience increased premiums, restricted protection or potentially even being declined when applying for life insurance.

But, this isn’t necessarily the case.

It's possible to obtain full cover at a standard premium if your condition is well controlled and you don’t experience any other significant medical conditions.

However, it's always best to compare quotes from different insurers to ensure you're receiving the right cover at the best available price.

This is something we can do for you here at Reassured, completely free of charge.

Get in touch with our award-winning, FCA regulated broker service today to get started...

The individual circumstances of your condition will impact your life insurance options and the cost of cover.

Sufferers from Petit Mal epilepsy (no loss of consciousness) who control their condition through medication and haven't experienced a seizure in the past 5 years are likely to be able to arrange standard cover.

Those who suffer from Grand Mal epilepsy (loss of consciousness), or those who experience Petit Mal attacks more than once a week, are likely to be able to arrange standard cover but will experience loaded premiums.

Any other medical conditions will also be taken into account and may affect the cost of your premiums or ability to be accepted.

For those who have recently been diagnosed with epilepsy, it's usually required that stabilisation of your condition is achieved before cover is accepted.

Sufferers of highly frequent or uncontrollable epilepsy, or those who have required hospitalisation/emergency treatment, will find it more difficult to find cover.

As mentioned, Reassured work with specialist insurers who can arrange cover for applicants who are more difficult to insure, including those with epilepsy.

If you're concerned about getting cover, contact us to see what policy options are available.

The best life insurance for epilepsy will depend on your age, what it is you're looking to protect and your available budget.

All of the various types of life insurance will be available to you even if you have epilepsy.

Although, your age and which aspects of your life you wish to protect, may help to determine which is the best policy type for you.

For example, if you’re in your 20s, 30s, or 40s, have dependents and a mortgage, then affordable term life insurance may be a good option.

Whereas, if you're in your 50s, 60s or 70s, then whole of life insurance or an over 50s plan is probably more suitable.

Read on to learn more about the different policy types available to those with epilepsy...

Similar to level term, whole of life insurance provides your loved ones with a fixed lump sum, making it ideal for protecting similar aspects of your life.

However, unlike term-based insurance it doesn’t expire, meaning that a pay out is guaranteed.

Whole of life insurance is well suited to those in later life who are in good health.

For this reason, it’s likely to be more expensive for those who suffer with pre-existing conditions, such as epilepsy.

And, because this type of cover lasts for the rest of your life, it's possible that you can pay more into the policy than the amount paid out. (Hence being best suited to the older generation).

Whole of life tends to be more expensive when compared to term life insurance for the same cover amount.

Applications with pre-existing conditions alongside epilepsy, particularly if directly linked, may require manual underwriting from a specialist.

Strokes, TIA/CVA and tumours are very common amongst those who suffer from epilepsy.

As a result, experiencing any of these could affect your ability to obtain standard cover.

If you require further information on how medical conditions can impact life insurance, read our comprehensive life insurance with pre-existing conditions article »

At Reassured, our impaired risk team can help you arrange life insurance if you've otherwise found it difficult.

Simply get in touch to make the most of our award-winning (and fee-free) brokerage service.

Previously being declined life insurance doesn’t necessarily mean cover is impossible to obtain.

The options available to you will depend on why you were declined.

If the severity of your condition is what caused you to be declined, it may be that you can get cover with a specialist insurer.

This is something our in-house impaired risk team can help with.

If you were declined because your condition is not yet stable, it may be that an insurer requires your epilepsy to be stabilised for a period of time before they'll provide you with cover.

As a result, once this time period has passed (5 years with no seizures), you'll be able to reapply for cover on standard terms.

Adding critical illness cover to your epilepsy life insurance means that if you were to be diagnosed with a serious, yet not terminal, illness, you could make a claim on your policy.

Once a claim has been made your cover will expire and will need to rearrange your life insurance.

Due to your epilepsy and the health implications, you may experience loaded premiums or exclusions.

Epilepsy-related illnesses may also be added as an exclusion to your policy, meaning if you're diagnosed with a critical illness, i.e. a stroke due to your condition, your policy won't pay out.

In severe cases all neurological conditions will be excluded in the disability section of your policy, meaning that if you become disabled as a result of a neurological malfunction, a pay out won't be issued.

The pay out from a critical illness policy can be used to pay for private medical treatment, replace a lost income or simply to enjoy with your loved ones.

As discussed, arranging life insurance as an epilepsy sufferer will vary depending on the severity and type of condition.

However, in most circumstances, arranging some form of cover is possible.

And provided you have Petit Mal epilepsy and haven't experienced an attack for 5 years or more, standard cover may be an option.

For those who are finding things harder, contacting our impaired team will help you to acquire all the information required.

The cost of epilepsy life insurance can vary significantly between insurers.

This makes it essential to compare quotes to ensure you secure the right policy, at the best deal.

At Reassured, we do the hard work for you, providing you with all the information needed to enable you to make an informed decision.

And our award-winning, FCA-regulated life insurance broker service is completely fee-free!

Simply get in touch to obtain your no-obligation quotes today.