Epilepsy Life Insurance

We specialise in finding the most fairly priced and most comprehensive cover for people with medical conditions that might otherwise complicate a life insurance application. We have years of experience in finding life insurance for people with epilepsy who may have had trouble with insurance in the past.

What is Epilepsy?

In short, epilepsy is a condition affecting the brain potentially causing repeated seizures otherwise known as fits. Affecting more than half a million people in the UK epileptics are usually diagnosed as children however symptoms can start at any age.

Epilepsy can be categorised as one of three different types depending on the cause of the condition. These are:

Idiopathic epilepsy – This is when no obvious cause of the condition can be found.

Cryptogenic epilepsy – This is when no damage to the brain can be found, however the patient often suffers other symptoms such as learning difficulties which indicate some damage to the brain has in fact occurred.

Symptomatic epilepsy – This is when the epileptic symptoms are due to apparent damage and/or disruption to the brain.

Types of epileptic seizure as categorised by insurance companies

Although there are six types of generalized seizures and three types of partial seizure often insurance companies will try to categorize the severity of your symptoms by asking about some key characteristics of your seizure.

The primary focus from an insurance perspective is whether a loss of consciousness has occurred either via a Grand Mal or Petit Mal seizure has occurred and when the last occurrence was. Please note that neither of these automatically rules out whether you are offered insurance or not, the information is taken into consideration when offering terms of cover.

How can being epileptic affect my Life Insurance or Critical Illness Cover application?

Contrary to popular belief and opinion suffering from epilepsy doesn’t necessarily affect your life insurance. There are a number of key indicators which an insurer will use to determine how they interpret the severity of your condition. These indicators vary from company to company which is where our expertise can help you. We have vast experience with all of the major insurers in the UK and can find out which ones will offer the most favourable terms for your specific condition and requirements.

It is useful to have the following information at hand when applying for or enquiring about cover. This will help your dedicated consultant find the best policy for you:

  • When did you first have an attack?
  • When did you have your last attack?
  • Have you experienced loss of consciousness during an attack within the last 5 years?
  • How many attacks do you experience per year?

Remember we charge no fee’s for our service and are happy to have a chat regarding your options and allow you to make your own decision based on the information we provide. We pride ourselves on our client relationships and are happy to help no matter how short or brief the enquiry.

You can either quote and apply online or click the “talk to us” option to have one of our experienced consultants contact you to discuss your needs.