Can You Get Life Insurance with Epilepsy?
Yes. Most people with epilepsy can get life insurance in the UK, though premiums may be higher depending on the type and frequency of seizures, your medication, and how well the condition is controlled.
How Insurers Assess Epilepsy
- Seizure type – Absence seizures are viewed more favourably than tonic-clonic (grand mal) seizures
- Frequency – Well-controlled epilepsy with rare or no seizures gets better terms
- Medication – Stable on medication is viewed positively
- Last seizure – Longer seizure-free periods lead to better terms
- Underlying cause – Epilepsy with no known structural cause is generally viewed more favourably
Tip: If you have been seizure-free for 2+ years on stable medication, you are likely to get competitive cover. Some people who have been seizure-free for 5+ years may even achieve standard rates.
Frequently Asked Questions
Yes. Premiums depend on seizure type, frequency, and control. Well-controlled epilepsy gets competitive terms.
Well-controlled: 25–50% loading. Frequent seizures: higher loadings. Varies by insurer.