Epilepsy Life Insurance
Facts about Epilepsy life insurance
iam|INSURED is an Epilepsy life insurance expert and understand how difficult it can be to be diagnosed with as well as living with a pre-existing condition such as Epilepsy. Along with its mental and physical strain, we understand how worrying thinking about the future can be – And that is why we work with the best life insurance companies in the UK to offer you the top epilepsy life insurance policies to protect your family.
Whether you’re looking for financial support while you recover or for an element of certainty for your family’s future, we have a policy for you – Contact us to discuss our epilepsy life insurance cover, along with our specialised cover such as income protection, critical illness cover and travel insurance. All helping you in times of need. 01244 732 890
Why choose iam insured:
- Price Match Promise*
- Speak to a team of dedicated insurance experts
- No hassle and no pressure
- FREE advice and no cost for our services
- FREE policy trust service (avoid IHT and probate costs)
- FREE Annual review service
- Whole of Market (access to UK’s TOP insurers)
For more information about Epilepsy life insurance, critical illness cover and income protection you can speak to one of our team of experts today by calling 01244 732 890 or simply complete our enquiry form by clicking ‘Get a quote’.
How much does epilepsy life insurance cost?
When applying for epilepsy life insurance, there are a few factors insurance companies will need to take into consideration prior to granting cover. Firstly, the type of epilepsy you have will influence your eligibility, along with your premium levels. If you are diagnosed with petit mal epilepsy and experience a low amount of attacks, standard rates may be offered. However, if you have been diagnosed with grand mal epilepsy and have experienced symptoms, your premiums may increase.
Secondly, the type of seizures you experience will influence the cost of your epilepsy life insurance policy. Symptoms can vary from simple partial seizures to tonic clonic seizures where loss of consciousness is likely. If you experience the latter, it is likely that medical loading will be applied.
Finally, the regulatory of your symptoms, diagnosis timescale and the level of control you have over your epilepsy will influence the cost of your policy. To discuss the above influencing factors when applying for epilepsy life insurance, contact our team today on 01244 732 890.
Premiums for Epilepsy life insurance
Here is a list of the main considerations for Epilepsy life insurance rates and premiums:
- Date of your epilepsy diagnosis
- Epilepsy type, including type of seizures and level of control present
- Your medical history, including any treatment
- Frequency of last seizures and date of last attack
- The type of insurance cover you need – (Income protection, critical illness cover, travel insurance)
- The term of your epilepsy life insurance policy
iam insured is a specialist in finding affordable cover for people who live with pre-existing medical conditions such as Epilepsy life insurance, critical illness cover and income protection. We search the UK’s top insurers to find you the most suitable cover and the best rates to protect your family, home and business.
Percentage (%) loading for epilepsy life insurance
When applying for epilepsy life insurance, insurance providers will take the above factors into consideration by using percentage loading. Percentage loading is where a percentage is added to your premiums based on your epilepsy type and symptoms. Please be aware that each insurance provider will have differing percentage strategies when applying for epilepsy life insurance.
Per mille loadings for epilepsy life insurance
Along with percentage loading strategies, insurance companies may also use ‘per mille loading’ when calculating your epilepsy life insurance premiums. This is where an additional amount is added onto your premiums which is based on the amount of cover you apply for. This can be applied throughout your epilepsy life insurance policy, or for a specific period of time from the start of your policy.
Exclusions for epilepsy life insurance, critical illness cover, income protection or travel insurance
When applying for epilepsy life insurance, critical illness cover, income protection or travel insurance, you may also experience ‘exclusions’. Exclusions are classified as conditions which can be linked/caused by your epilepsy symptoms and will be excluded from your policy.
If you would like to discuss your premiums or how exclusions can affect your life insurance application, contact our team here 01244 732 890.
How much cover do I need?
When applying for epilepsy life insurance, income protection, critical illness cover or travel insurance, it is difficult to give a recommendation on the amount of cover you will need.
Once full details of your medical history and epileptic diagnosis are provided, a clearer observation will be provided. In the meantime, if you would like to make a rough estimation, follow our below outlines:
Epilepsy life insurance amounts of cover
If you are looking for epilepsy life insurance, your recommended cover amount will depend on the extent of your epilepsy diagnosis, along with any symptoms and your diagnosis period. If you have a mild case of epilepsy, such as petit mal epilepsy, and have controlled your symptoms for a while, standard terms will be offered. However, if your diagnosis is greater, or your diagnosis is recent, exclusions and premiums will be added, or the recommendation of delaying your application. Here are some factors you should consider prior to applying for epilepsy life insurance:
- Mortgage amount (£’s)
- Outstanding debt (e.g. Loans, second charge, credit cards and other)
- Spouse or Partner
- Income (after Tax)
- Assets (e.g. car, house, business etc.)
To discuss the application process for epilepsy life insurance, contact our team today on 01244 732 890.
Epilepsy critical illness cover amounts
If your epilepsy is well controlled with no recent symptoms, obtaining critical illness cover is a straightforward process. In this case, critical illness cover should be offered under standard rates – this is very similar to the unwritten guidelines of life insurance cover. If your epilepsy causes you regular symptoms or is newly diagnosed, the obtainment may be less straightforward with the addition of premium loading. If you are eligible, here are factors to consider when applying for critical illness cover:
- Income (after Tax)
- Mortgage payments (annual)
- Cost of living (annual)
- Any other possible costs (e.g. medical treatment or adaptations)
Epilepsy income protection amounts of cover
If you suffer from epilepsy, it is likely that you will be able to obtain income protection cover, however exclusions will mostly be applied. Additionally, premium loading may be added to your cost, but this is dependent on the regulatory of your epileptic symptoms.
If income protection cover isn’t available to you and you are looking for financial support in this time of need, contact our team today to discuss similar insurance products. 01244 732 890 If you are eligible for income protection, consider these key factors to gauge cover amounts:
- Monthly income (after tax)
- Mortgage/rent payments
- Debts (other)
- Cost of living
Epilepsy travel insurance amounts of cover
Are you going on holiday soon? Ensure you have the most suitable travel insurance, appropriate for those with pre-exiting medical conditions. Contact one of our consultants today to arrange your travel insurance cover.
Purchasing your epilepsy life insurance policy with iam insured
If you are in the position to invest in protection yourself and future, we cannot recommend obtaining epilepsy life insurance through one of our leading providers enough.
Whether you’re looking to protect your financial future (Income protection), your health (critical illness cover) or simply a little downtime (travel insurance) we have a suitable policy for you.
Contact our team today to start your epilepsy life insurance application and find out further information regarding premiums, exclusions, and how they can affect your policy. 01244 732 890.