Epilepsy life insurance

Are you looking for epilepsy life insurance? At iLi we specialise in helping people with medical conditions like epilepsy to find life insurance that protects them and their families should the worst happen. Our easy to use, quick comparison service and approved network of impaired insurance specialists means that our customers can quickly and easily locate the best cover, price and insurer offering epilepsy life insurance.

What is epilepsy?

Epilepsy is a condition that affects the brain and causes the sufferer to experience seizures. Epilepsy can be diagnosed at any age, but is most typically diagnosed in childhood, or in older age. Although it is a lifelong condition, symptoms can improve over time in some cases. Depending on the part of the brain that is affected by epilepsy, different symptoms can occur including fits and shaking, stiffness in the muscles, loss of awareness, tingling sensations in the arms and legs and sensory confusion. In severe cases, epilepsy can cause a loss of consciousness.

Treatments for epilepsy include medicines and anti-epileptic drugs, surgery, the placement of an electrical device into the body to control seizures, and a ketogenic diet. Many cases of epilepsy are successfully treated with medication.

Many insurers will base applications for epilepsy life insurance on whether your epilepsy is successfully controlled, and your understanding and management of your seizure triggers. Keeping alcohol to a minimum, sleeping more and keeping stress levels to a minimum are all ways of managing symptoms.

Finding the right insurer for epilepsy life insurance

It can be a confusing process to try and find the right epilepsy life insurance cover for your needs. Depending on the severity of your condition, whether you have had surgery and the nature of your seizures, some insurers may be cautious about accepting an application. All insurers have to underwrite applications they receive from customers looking for epilepsy life insurance, and need to assess their level of risk. If for example you have had to go to hospital as a result of your epilepsy, or have had surgery to remedy your epilepsy, you may be considered a high risk case. That said, if you have had surgery and the number of seizures you have experienced since having the procedure has significantly reduced, insurers may see this in your favour.

Every epilepsy life insurance application is different. With iLi’s matching service, we can help you compare the market and find the right insurer for your personal circumstances.

Costs for epilepsy life insurance premiums

It is incorrectly assumed that if you take out epilepsy life insurance that your premiums will be substantially higher than someone who takes out life insurance without any health conditions. In cases where epilepsy is petit mal (i.e. the sufferer has experienced no loss of consciousness), and seizures are minimised through a well-managed lifestyle and medications, many insurers will not apply extra loadings onto premiums. iLi’s comparison service can help you to check insurers that are offering epilepsy life insurance cover at standard rates.

If however you have experienced multiple seizures as a result of your epilepsy and your attacks have become more severe over time, you may find that a loading fee is applied to your policy. This is an increase on the price you pay as a premium, depending on your level of risk to an insurer. This is because there is a greater likelihood of you making a claim to an insurer, so a loading fee is applied to cover this risk. Prices from insurers will vary, which is why iLi’s comparison service can help you find the right FCA-regulated epilepsy life insurer that suits your needs, helping you to compare prices and find the best deal so that all of your insurance requirements are met. It’s quick and easy to get your quote.

Who offers epilepsy life insurance?

iLi works with many of the UK’s leading epilepsy life insurance providers. With our panel of FCAregistered impaired life insurance specialists, you can receive quotes from more than one epilepsy life insurance broker. Just submit your details through one of our quick and easy online forms to receive quotes and be specially matched against the UK’s leading FCA-regulated insurance providers. This ensures that you’ll find:

– The best price for your epilepsy life insurance cover
– A substantial amount of cover to ensure that your loved ones, assets and property are all protected
– An insurer with a proven knowledge and compassionate understanding of epilepsy

Further cover for epilepsy life insurance

Critical illness cover for epilepsy

Some insurance providers may have exclusions regarding critical illness cover if you have epilepsy. You may also experience premium loadings. It is common for critical illness cover to be granted to a person with epilepsy, but you may find that illnesses relating to your epilepsy are excluded (such as neurological conditions). This means that if you become disabled as a result of suffering from a neurological condition, your critical illness policy will not pay out. A critical illness policy may however be able to cover you for other conditions such as cancer.

If you are trying to secure critical illness cover and you have epilepsy, use iLi’s policy comparison service to help you find the right cover. Every application is assessed differently, so fill in our simple form to get matched with a quote from the right approved and vetted insurer today.

Advice and information

For more information, help and support about living with epilepsy, visit the following links:

Epilepsy Action

Epilepsy Society

Epilepsy Research UK

Or visit one of our Impaired Life Leads dedicated websites.

Save money and time with iLi’s comparison tool, making it quicker and simpler to purchase epilepsy life insurance. If you have a condition such as epilepsy, it can be confusing to know where to find the right insurer for your circumstances. Fill in our easy 30-second form with your details to be referred to our specialist impaired life insurance partners for epilepsy life insurance. Our free service can help you find the best cover at a great price.