Getting life insurance if you have a medical condition can be difficult. Insurance companies may either reject your application or quote you a high premium without even finding out the severity of your illness/disease.
Our partners specialise in life insurance for those with pre-existing medical conditions such as epilepsy. They know which impaired life insurance providers to work with based on your epilepsy history, and how to get you the most competitive rates.
How Epilepsy can affect life insurance
Epilepsy is a disorder characterised by recurrent seizures that affect the body’s nervous system. It is typically diagnosed after a person has had at least two unprovoked, spontaneous seizures, and affects over 50 million people worldwide.
When assessing your impaired life insurance application, insurance underwriters will want to know the following information about your condition:
- What type of epileptic seizure did you have? (see below)
- When were you first diagnosed with epilepsy?
- How often do you have epileptic seizures?
- When was your last seizure?
- Has your condition ever left you hospitalised?
- Do you take any medications for your epilepsy?
- Do you have any other health problems?
Epileptic seizures are generally categorised into two groups:
- Partial seizures – those where the source of the seizure within the brain is localised. These are further split based on whether awareness is unaffected (Simple Partial seizures) or affected (Complex Partial seizures).
- Generalised seizures – those where the source of the seizure within the brain is distributed (Absence, Myoclonic, Tonic-Clonic and Atonic seizures). These are further divided according to the effect on the body but all involve loss of consciousness.
The type of epileptic seizure you have suffered in the past is a major factor in determining your ability to get life cover and also has a significant bearing on insurance rates. For example, insurers generally quote higher premiums to people who have a history of generalised seizures and lower rates for those who suffer partial seizures.
However, the amount you pay will also depend on the time since your last episode, which will indicate how well your epilepsy is being controlled.
Please note this information is for illustration purposes only and we cannot guarantee that a client with epilepsy will be accepted for life insurance.