Epilepsy and Life Insurance
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.
In this article, we cover the most commonly asked questions, such as:
- Can you get life insurance if you have epilepsy?
- Does life insurance cost more if you suffer from epilepsy?
- What if my epilepsy is severe and I have been declined in the past?
- Does epilepsy affect other forms of insurance?
- Speak to an expert
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.
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.