Updated: November 12, 2019

Epilepsy and Life Insurance

Epilepsy sufferer looking for life insurance? In this guide we explore how expert advice can help you find cost-effective cover if you have epilepsy

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Pete Mugleston

Author: Pete Mugleston - Mortgage Expert

Updated: November 12, 2019

If you suffer from epilepsy, it’s essential that you get the best advice available when it comes to buying life insurance and that the cover will not exclude your condition.

It’s also important that you don’t pay more than you have to. The good news is that the life insurance advisors we work with are experts in this area, and they can help you find the best deal on life insurance, and one that best suits your particular condition.

Our advisers are regulated by The Financial Conduct Authority and so you will be dealing with a highly trained person that adheres to strict rules of conduct.

Can I get life insurance if I suffer from epilepsy?

With the right advice, people who suffer from epilepsy can almost always get a life insurance policy.

If your diagnosis is quite recent, then some providers will want to see a period of stabilisation so they can assess the level of risk.

It all depends on the type and severity of your epilepsy, but the advisors we work with can help guide you through the process and help you get the best deal. You can arrange a free, no-obligation chat and discuss your options with them.

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Does life insurance cost more if you suffer from epilepsy?

Again, with the right advice, you don’t necessarily have to pay higher premiums than someone who does not suffer from epilepsy.

However, there are some caveats with that.

It all depends on the type of epilepsy you suffer from, for example, grand mal or petit mal, and the frequency and severity of the attacks.

In the case of petit mal epilepsy, most insurers should charge standard life insurance premiums, and shouldn’t have to pay more for protection.

The advisors we work with are wholly independent, they have the tools, knowledge and experience to know which life insurance providers are likely to offer the best cover. They can search the whole market to find the most competitive rates for you, taking into account your epilepsy, age and other influencing lifestyle factors.

What if my epilepsy is severe and I’ve been declined life insurance in the past?

If you’ve been declined life insurance by a provider who claimed your epilepsy makes an agreement high risk, it may be the case that if you’ve been in contact with an insurance company or broker who is not a specialist or whole-of-market. They may not be aware of those providers that can offer you the right cover.

The advisors we work with are experts when it comes to finding insurance for people with epilepsy or other pre-existing medical conditions.

Does epilepsy affect other kinds of insurance?

Having severe epilepsy can also impact your chances of landing the best deal for other types of insurance, as well as life cover, due to some providers considering you higher risk.

The advisors we work with are specialists in many areas of insurance, so if you want the right advice, you should contact us as soon as possible. We’re here to make sure you have the right insurance at the right price to protect your family should the worst happen.

Other policies that could be affected include:

Speak to an expert

If you’ve recently been declined life insurance due to suffering from epilepsy or premiums you were quoted seemed too high, then you should speak to one of the insurance experts we work with.

They’re here to help people with pre-diagnosed medical conditions such as epilepsy, to find life insurance to protect their family, home or business.

Make an enquiry, or call us on 0808 189 0463 for a free, no-obligation chat and we’ll put you in touch with the right advisor.

Ask a quick question

We can help! We know everyone's circumstances are different, that's why we work with brokers who are experts in higher-risk life insurance. Ask us a question and we'll get the best expert to help.

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Pete Mugleston

Pete Mugleston

Mortgage Expert

About the author

Pete, an expert in all things mortgages, cut his teeth right in the middle of the credit crunch. With plenty of people needing help and few mortgage providers lending, Pete found great success in going the extra mile to find mortgages for people whom many others considered lost causes. The experience he gained, coupled with his love of helping people reach their goals, led him to establish Online Mortgage Advisor, with one clear vision – to help as many customers as possible get the right advice, regardless of need or background.

Pete’s presence in the industry as the ‘go-to’ for specialist finance continues to grow, and he is regularly cited in and writes for both local and national press, as well as trade publications, with a regular column in Mortgage Introducer and being the exclusive mortgage expert for LOVEMoney. Pete also writes for OMA of course!

FCA Disclaimer

*Based on our research, the content contained in this article is accurate as of the most recent time of writing. Lender criteria and policies change regularly so speak to one of the advisors we work with to confirm the most accurate up to date information. The information on the site is not tailored advice to each individual reader, and as such does not constitute financial advice. All advisors working with us are fully qualified to provide mortgage advice and work only for firms that are authorised and regulated by the Financial Conduct Authority. They will offer any advice specific to you and your needs.

Some types of buy to let mortgages are not regulated by the FCA. Think carefully before securing other debts against your home. As a mortgage is secured against your home, it may be repossessed if you do not keep up with repayments on your mortgage. Equity released from your home will also be secured against it.

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