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Epilepsy life insurance

Epilepsy is one of the most common types of neurological conditions and is most well-known for the seizures it causes.

Having lost a good friend from a seizure in 2019, it’s something that we’re extremely passionate about and aware of the risks. We are epilepsy life insurance specialists and have helped thousands of people with epilepsy to get the best cover to protect their families.

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60-Second Summary – Expert guide to Epilepsy Life Insurance 2024

Read our latest guide from our team of experts for Epilepsy Life Insurance and how to find the very best cover to protect your family for less. Find out more about which insurance providers are best for people with Epilepsy and what you need to think about before you apply for life cover.

  • Life insurance for people with Epilepsy can be more expensive if you don’t get proper expert advice and if you apply to the wrong life insurance company.
  • There are several options to help you to save money on your Epilepsy life insurance premiums which can save you over 50% every month and £1,000’s over the term of the policy.
  • Some insurance companies don’t always accept people with Epilepsy and so you can still get cover if you’ve been refused by an insurer.
  • Our team of experts consistently helps to save our customers with Epilepsy money on their life insurance and we can get cover to protect your family where other companies have failed.

Epilepsy statistics UK

More people are being diagnosed with epilepsy in the UK than ever before. According to Epilepsy Research UK, there are more than 600,000 people in the UK living with epilepsy with over 600 diagnoses every week.

Charity Epilepsy Action UK also states:

  • 87 people are diagnosed with epilepsy every day in the UK
  • 1 in 4 new diagnoses of epilepsy are in people over 65
  • There are approximately 60 different types of epileptic seizure
  • Around 1,000 people die every year due to epilepsy related causes

Learn more – Facts and figures about epilepsy in the UK

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YES – there are some great life insurance companies and policies offering cover for people with epilepsy. There can be a few extra questions and considerations to think about though.

One of the biggest questions with life insurance is whether you have a pre-existing medical condition or not. Epilepsy is a common neurological condition that is chronic (lifelong) so will always be classed as pre-existing.

This is not to say that you’ll struggle to get life cover with epilepsy. However, there might be some other things to think about which we’ll explain in this guide.

More about LIFE INSURANCE

Can I get epilepsy life insurance?

YES – people with epilepsy will still be able to get life insurance. Our platinum rated insurance team are experts at finding the best cover at the lowest prices for people with epilepsy.

There can be additional medical questions as a part of your application. If you apply to the right providers this shouldn’t cause too many issues. Some insurance providers will simply be better for offering cover to people with epilepsy than others.

When choosing your provider and policy type it is also important to consider:

People with epilepsy can usually get critical illness cover with no real issues, especially where seizures are mild (absent seizures). You’ll be asked a series of medical questions about your condition. You will also be the usual general questions about your health, lifestyle, and occupation.

The main things that will be taken into consideration when you’re applying for this type of cover with epilepsy are:

  • Type of seizures you have (e.g. absent or tonic-clonic)
  • Date of diagnosis
  • Frequency of symptoms/seizures

We’ve dealt with thousands of these types of applications over the years, so we know which providers offer the best cover and cheapest premiums.

It’s often the case that some insurers are far better than others in terms of underwriting for epilepsy. This is especially true with more complicated products such as critical illness cover.

You should need to consider that some insurance companies will remove certain elements from your critical illness cover policy connected to your epilepsy. These are called ‘exclusions’ and in this case, you might find that certain neurological conditions will be excluded.

How does epilepsy life insurance work?

When you apply for epilepsy life insurance, you’ll go through a medical questionnaire (fact find). The insurer will ask some questions about your health, lifestyle, and occupation. Making sure that you pay the best price for cover is important, so you’ll need to apply to an insurer who’s right for you.

Possible epilepsy life insurance underwriting questions include:

  • What caused your epilepsy (e.g. alcohol, brain swelling or scarring, other medical condition, drug use, or medication)?
  • Are you awaiting any scans, tests, or investigations?
  • When was your first seizure?
  • Has your treatment changed in the past 6 months?
  • Has your epilepsy caused any cognitive issues or mental health problems?
  • Have you been admitted to the hospital because of your epilepsy?

How much is life insurance with epilepsy?

When you apply for life insurance, there are a few things that insurance companies will need to consider before offering cover and these factors will affect how much you pay.

  • Type of epilepsy: this will influence your eligibility and your life insurance premiums
  • Type of seizures: can impact the cost of your cover
  • Regularity of symptoms: how often you experience seizures or other symptoms
  • If your epilepsy is well managed: poor control over symptoms could lead to higher pricing

If you have absence seizures (previously known as petit mal epilepsy) and experience fewer seizures, then the cover can be quick and cheap. If you’ve been diagnosed with tonic-clonic seizures (previously grand mal epilepsy), you may face higher premiums.

Symptoms can vary from simple partial seizures to tonic-clonic seizures where the loss of consciousness is likely. If you have the latter, it is likely that cover may cost slightly more.

Cheaper life insurance for people with epilepsy

The best way to find the cover you need for a lower price is to speak to an expert. An advisor with the right background will have a better understanding of epilepsy life insurance and how your condition can affect your policy.

Our life insurance experts can compare hundreds of life insurance quotes and policies to find the best deals and most competitive prices available on the market.

Best life insurance for epilepsy patients

Life insurance is the best way to protect your family, home, or business if anything happens to you. Epilepsy life insurance cover is very often available and can be fairly simple to get through the right companies.

You should be aware that some insurance companies are better than others with life insurance underwriting for epilepsy, so prices can vary dramatically. We also regularly speak to people with epilepsy who’ve been declined with other companies, and we manage to find them cover.

Does epilepsy affect life insurance?

NO – life insurance is generally the same product, regardless of your health, or any medical conditions. It will pay out a cash lump sum to your family or your beneficiaries (family or dependents) if you die which will provide financial security in the future.

If you’ve been diagnosed with epilepsy, then you’ll need to answer some questions about it and potentially provide a GP report. In most cases where the symptoms are mild and seizures are fewer, then you’ll probably not have to give medical evidence.

Medical conditions linked to epilepsy

There are several conditions that can be linked to epilepsy. Often a family history of epilepsy can increase your chances of developing the condition, but there are other conditions that can also be risk factors.

Medical conditions that can cause or lead to epilepsy include:

Expert advice for getting life insurance with epilepsy

Epilepsy is one of the most common neurological medical conditions with a wide range of potential symptoms, severities, and treatments. It’s important to be aware of the possible problems that can be encountered with epilepsy and life insurance.

We’re always 100% focused on making sure that our customers get a fair price but also that they get the right cover. Here’s what we know are some of the slightly more complex issues around getting life insurance with epilepsy:

  • Recent hospitalisation can cause some concerns for underwriters or multiple hospitalisations can also be an issue. If you’ve had hospital treatment because of your epilepsy, then you’ll be asked for information about it
  • Tonic-clonic seizures can also be a concern for some underwriters because they are classed as more serious than absent seizures
  • Outstanding investigations will also often cause your offer of coverage to be postponed until those investigations have been completed and results are available. This is just to ensure that nothing shows up in the results of tests

Many people that we speak to with epilepsy have been refused cover elsewhere or offered premiums that seem high.

Celebrities with epilepsy

Epilepsy is a fairly common condition and there are many well known figures that have been diagnosed with epilepsy. This includes:

Various historical figures were also believed to have had epilepsy including Julius Caesar and Napoleon Bonaparte.

Epilepsy support groups UK

There are a number of different charities and support services working to help people with epilepsy in the UK, such as:

Can you live a normal life with epilepsy?Many people with epilepsy will be able to live a normal life and control their condition with medication.

As long as seizures are well controlled, there should be no issue taking part in activities that people without epilepsy can.
What is the main cause of epilepsy?It isn’t always clear why epilepsy has developed, though around 1 in 3 people with epilepsy will also have a family member with epilepsy.

Other possible causes include:

Stroke
Brain injury
Alcohol or drug abuse
Brain tumour
Infection
Does epilepsy count as a critical illness?NO – Epilepsy is not usually considered a condition that can be claimed for on critical illness insurance.

You will usually still be able to buy critical illness cover if you have epilepsy. You will be able to claim for a range of other conditions if they develop during your policy term.
Can I get life insurance if I have epilepsy?YES – In most cases, it should still be possible to get life insurance if you have epilepsy.

It is important to apply to the right insurer to make sure you don’t end up paying too much. A life insurance expert will be able to advise you on which insurers are best for people with epilepsy.

Useful resources

Epilepsy Action – Living with epilepsy

Epilepsy Society – Living with epilepsy

The Brain Charity – Epilepsy

Epilepsy Foundation – Facts and Statistics About Epilepsy

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Can I get life insurance with pre-existing conditions?

Yes, you will be able to get life insurance with almost any pre-existing medical condition, as long as it is not terminal. If traditional life insurance is not available due to the severity of your symptoms, then there are other guaranteed and specialist life insurance options, such as:

  • Accidental death
  • Over 50s life insurance
  • Guaranteed life insurance

Some of the most common examples of life insurance with pre-existing conditions are:

  • Overweight or High BMI life insurance
  • Diabetes life insurance (e.g. Type 2 or Type 1 diabetes)
  • Cancer life insurance
  • Heart attack or heart disease life insurance
  • Mental health life insurance
  • Multiple Sclerosis life insurance
  • Autoimmune disorders life insurance
  • HIV life insurance

There are literally thousands of types and variations of pre-exisiting medical conditions and so your situation is likely to be different to someone else. Life insurance with pre-existing conditions will take a number of elements in to account:

  • Severity and type of symptoms
  • Dates of diagnosis, episodes or attacks, and treatments
  • Any ongoing treatment and medications

Your life insurance premiums will be based on your own individual circumstances and how much cover you need. You should be able to adjust the levels of cover to suit your budget and it’s just as important to make sure that you at least have some cover in place.

What does Martin Lewis say about life insurance with pre-existing conditions?

MoneySavingExpert.com suggests that life insurance will ‘cost a lot more’ with a pre-existing medical condition. This is not true and it really does depend on your own individual circumstances so don’t be put off by this as they are not experts in this area.

It is true that some circumstances where the pre-existing medical condition is serious or severe, premiums can be higher to reflect the additional mortality risks. Ultimately, your life insurance premiums are unfortunately based on how likely you are to claim or if you have a higher chance of death within the policy term.

Martin Lewis doesn’t provide any real substance to his comment about pre-existing conditions life insurance and that’s not good enough. You should speak to a medical life insurance specialist to get a fully underwritten quote before you make any final decisions about whether or not you can afford to protect your family.

How much is life insurance with pre-existing conditions?

Most traditional life insurance providers will accept applications for people with pre-existing medical conditions. Often, you will have a number of potential options from several different insurance providers so you can usually save money as well by shopping around.

Historically you might have had less offers when you apply for life insurance with pre-existing conditions, but fortunately that is changing. Most of the more well-known high street life insurance brands are now offering more competitive rates and more flexible underwriting.

Top tips to save money on life insurance with pre-existing conditions:

  • Speak to pre-existing medical conditions specialist (these companies will understand the market better and should know which insurers will be cheapest for you)
  • Shop around and get different quotes (same as everything else, by shopping around you’ll get a better idea of what a good price is and what different companies offer)
  • Apply at the best time (timing can be important when applying for life insurance with pre-existing conditions, usually when symptoms are stable and not before or after treatment)

There are also other things to take into consideration, such as if you’re a smoker or if your weight is higher than normal. Can you do anything to improve your situation that might help to reduce your life insurance premiums.

Best life insurance for pre-existing conditions?

The best life insurance for pre-existing conditions will be different for each individual, based on their circumstances and the details of their health or medical history. There are certainly some insurance providers who are better for people with pre-existing medical conditions than others, such as:

  • The Exeter (better for people with more severe symptoms and serious health problems)
  • Legal & General (can sometimes be good for certain pre-existing medical conditions, especially mild to moderate symptoms)
  • Royal London (offers a number of specialist products and policies for certain pre-existing medical conditions such as diabetes and mental health)
  • Scottish Widows (sometimes good for moderate medical conditions and offers flexible underwriting for certain conditions)
  • The Guardian (also offers flexible underwriting towards some pre-existing medical conditions)
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