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Welcome to The Insurance Surgery's page that is specifically designed for clients who are Epileptic.

The Insurance Surgery specialise in obtaining financial services for clients who are Epileptic.

Whether you are looking for Life Insurance, Travel Insurance, Income Protection Insurance or would just like to obtain the information we will do our utmost to help.

We also offer information on Impaired Life Annuities and Care Home Insurance Plans for clients who are Epileptic.

If you are Epileptic and you require a quotation for life insurance please note that we guarantee to obtain the most competitive life insurance quotes on the market.

Below is our summary of how being Epileptic may affect your insurance needs.


Epileptic and Life Insurance

If you are Epileptic and you wish to apply for life insurance it may be possible to secure you cover either at ordinary rates or with an increase in premium . It will, however, be necessary to obtain full details of your illness to obtain a definite quotation for life insurance. Please note this information is for illustration purposes only and we cannot guarantee that a client who is Epileptic will obtain life insurance.

Epileptic and Critical Illness Insurance

If you are Epileptic and you wish to apply for Critical Illness Insurance it may be possible to secure you cover with an increase in the premium. It will, however, be necessary to obtain full details of your illness to obtain a definite quotation for Critical Illness Insurance. Please note this information is for illustration purposes only and we cannot guarantee that a client who is Epileptic will obtain Critical Illness Insurance and if cover can be arranged it may be subject to certain exclusions.

Epileptic and Income Protection Insurance

If you are Epileptic and you wish to apply for Income Protection Insurance it may be possible to secure you cover with an increase in the premium. It will, however, be necessary to obtain full details of your illness to obtain a definite quotation for Income Protection Insurance. Please note this information is for illustration purposes only and we cannot guarantee that a client who is Epileptic will obtain Income Protection Insurance and if cover can be arranged it may be subject to certain exclusions.

Epileptic and Travel Insurance

If you are Epileptic and you wish to apply for travel insurance it may be possible to secure you cover at ordinary rates or with an increase in either the premium or medical excess on the policy. It will, however, be necessary to supply full details of your illness to a medical screening line to obtain a definite quotation for travel insurance. Please note this information is for illustration purposes only and we cannot guarantee that a client who is Epileptic will obtain travel insurance.

Epileptic and Private Medical Insurance

If you are Epileptic and you wish to apply for Private Medical Insurance it is highly unlikely that you will obtain cover for your illness or any other pre-existing medical condition. It will, however, be necessary to obtain full details of your illness to obtain a definite quotation for Private Medical Insurance. If you wish to obtain cover for your pre-existing condition we would suggest considering our Health Cash Plan. Please note this information is for illustration purposes only and we cannot guarantee that a client who is Epileptic will obtain Private Medical Insurance.

Epileptic and Impaired Life Annuities

If you are Epileptic and you wish to apply for an enhanced impaired life annuity it is unlikely you will receive preferential rates. It will, however, be necessary to obtain full details of your illness to obtain a definite quotation for an enhanced impaired life annuity. Please note this information is for illustration purposes only and we cannot guarantee that a client who is Epileptic will obtain an enhanced impaired life annuity.

Epileptic and Care Home Insurance Plans

If you are Epileptic and you wish to apply for a Care Home Insurance Plan it is unlikely you will receive preferential rates. It will, however, be necessary to obtain full details of your illness to obtain a definite quotation for a Care Home Insurance Plan. Please note this information is for illustration purposes only and we cannot guarantee that a client who is Epileptic will obtain a Care Home Insurance Plan.

Case Study 1

  • Client: Male
  • Age: 44
  • Smoker status: Non-smoker
  • Medical conditions: Focal seizures (epilepsy), depression and high cholesterol
  • Cover date: 18th June 2019
  • Product: Level Life Cover
  • Cover amount: £94,000
  • Cover term: 20 years
  • Premium: £20.80

We were approached by this gentleman on the 25th February 2019 when he completed an enquiry through our website. Our advisor Dan then contacted the gentleman to enquire about his life insurance needs and his pre-existing medical conditions. At this point he explained that he was looking for £94,000 of cover over a 20-year period to cover his re-mortgage, he then went onto explain that he is a non-smoker with depression and fairly mild focal seizures (epilepsy) as well as high cholesterol, however this isn’t an issue as he has it under control. Our advisor Dan then took this information and applied to one of our mainstream providers; he successfully secured the gentleman £94,000 of life insurance for 20 years to cover his re-mortgage. This is a brilliant premium considering that the gentleman has a few medical conditions, but due to the fact that they were all relatively mild and well controlled he was able to get the cover he needed and for a great price. He was overjoyed that we were able to find him cover.

Overall, we were so pleased that we were able to secure the gentleman the cover that he needed at a price that suited his budget. Furthermore, we love helping people to get the cover that they deserve and need as it gives us, and them, peace of mind that they will be covered if something unexpected was to happen to them during the policy term.

Case Study 2

  • Client: Male
  • Age: 27
  • Smoker status: Smoker
  • Medical condition: Focal epilepsy and anxiety
  • Cover date: 25th June 2019
  • Product type: Level Life Insurance
  • Cover amount: £150,000
  • Cover term: 33 years
  • Premium: £13.28

We were approached by this gentleman on the 25th June 2019 when he completed an enquiry through our website. Our advisor Mark S then called him to discuss his life insurance needs and his pre-existing medical conditions. At this point he explained that he has focal epilepsy and anxiety, and that he is a smoker; he then went on to explain that he was looking for £150,000 over 33 years to protect his family when he passes away. Mark S then applied the gentleman to one of our mainstream providers and, on the 25th June 2019, secured the gentleman £150,000 of cover for 33 years for a monthly premium of £13.28. The gentleman was over the moon that he was able to get the cover that he needed so quickly as he now has peace of mind that his family is protected should anything happen to him within the policy term.

As a whole we were also delighted to be able to help the gentleman find cover as it means that his family have the protection that they were previously lacking. Furthermore this is a fantastic premium given his medical history and the fact the he is a smoker.


Epileptic Life Insurance related News

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The Insurance Surgery Ltd is rated 4.8/5 based on 178 reviews. Read our reviews


'The Insurance Surgery were so fantastic.' I have a complicated health history and always assumed I was ineligible for life insurance. I felt really comfortable talking to Andy and felt like he was giving me all the possible options that would work best for me and my family. Thank you! 4.8

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