The short answer is yes, it is possible to get life insurance if you have epilepsy. However, the type of policy you can obtain and the cost of the premiums may depend on the severity of your condition and the frequency of your seizures.

Insurance providers will consider several factors before determining your eligibility and the cost of your policy. These factors may include the type of epilepsy you have, the frequency and severity of your seizures, your age at diagnosis, your treatment plan, and any other medical conditions you may have.

Yes, it is crucial to declare your epilepsy to your insurance provider. Failing to disclose your condition could invalidate your policy, and your beneficiaries may not receive the payout they are entitled to.

Insurance providers will ask you to complete a health questionnaire when you apply for life insurance. The questionnaire will ask about your medical history, including any pre-existing medical conditions, medications you are taking, and any hospitalisations. You should answer these questions truthfully and disclose any medical conditions, including epilepsy.

When applying for life insurance for epilepsy, you will need to provide detailed information about your condition, including:

• The type of epilepsy you have
• The frequency and severity of your seizures
• The age at which you were diagnosed
• The treatment plan you are following, including any medications you are taking
• The date of your last seizure
• Whether you have any other medical conditions
• Insurance providers will use this information to assess your risk and determine the cost of your policy.

Individuals with epilepsy may face challenges when it comes to obtaining life insurance. One of the main challenges is the perception that people with epilepsy are at a higher risk of premature death. Insurance providers will consider the frequency and severity of your seizures and the potential impact on your life expectancy when calculating the cost of your policy.

Another challenge is that some insurance providers may impose exclusions or limitations on your policy. For example, your policy may exclude death resulting from a seizure, or it may have a higher premium to account for the increased risk of death.

Epilepsy life insurance covers the same benefits as traditional life insurance policies, including a payout to your beneficiaries in the event of your death. The payout can be used by your loved ones to cover funeral expenses, pay off outstanding debts, or cover ongoing living expenses. However, you do need to carefully review the terms and conditions of any life insurance policy to ensure that you understand the cover, benefits and any potential exclusions.

Epilepsy is considered a chronic condition rather than a critical illness. Critical illness cover typically pays out a lump sum if you are diagnosed with a serious illness such as cancer, heart attack or stroke. While epilepsy is not classed as a critical illness, it may be considered a pre-existing medical condition that could affect the cost and availability of life insurance.

The cost of life insurance for individuals with epilepsy may be higher than for those without pre-existing medical conditions. This is because insurance providers may view epilepsy as a higher risk factor for premature death, which could result in higher premiums.

Insurance providers will consider the severity of the condition, the frequency and severity of seizures, the age at diagnosis, and the treatment plan when determining the cost of life insurance premiums. Additionally, the type of policy applied for will impact the cost of cover.

It's important to carefully review the terms and conditions of any life insurance policy to ensure that you understand the cost and cover. In some cases, insurance providers may impose exclusions or limitations on the policy due to epilepsy. But, by managing epilepsy effectively and avoiding seizure triggers, individuals can potentially lower the cost of their life insurance premiums over time.

Epilepsy life insurance can take many forms and there’s no single policy that will work for everyone. If you have epilepsy, one of the following types of life insurance may suit your needs:

Term life insurance

Term life insurance provides cover for a specific period, typically 10, 20, or 30 years. If you pass away during the policy term, your beneficiaries will receive a lump sum payment. Term life insurance is generally the most affordable type of life insurance and may be suitable for individuals with epilepsy who are managing their condition effectively.

Whole life insurance

Whole life insurance provides cover for your entire life, and the premiums are typically higher than term life insurance. The policy may have a savings component, and you may be able to borrow against the cash value of the policy. Whole life insurance may be suitable for individuals with epilepsy who want to ensure that their loved ones are financially protected throughout their lifetime.

Critical illness cover

Critical illness cover pays out a lump sum if you are diagnosed with a critical illness such as cancer, heart attack or stroke. While epilepsy is not typically classified as a critical illness, some insurance providers may offer critical illness cover for individuals with epilepsy who have a high risk of developing additional health complications.

Over 50s life insurance

Over 50s life insurance is a type of life insurance designed for individuals aged 50 and over, which typically does not require a medical examination or health questionnaire. While the premiums may be higher than other types of life insurance, over 50s life insurance may be a suitable option for individuals with epilepsy who have difficulty obtaining cover elsewhere. The policy provides a guaranteed payout to your beneficiaries upon your death, and the premiums are typically fixed for the life of the policy.

Please Note: Not all insurance providers we work with offer all types of policies. Please do your research and compare quotes before proceeding.