Will suffering from epilepsy affect my life insurance?
Life insurance and critical illness cover products for people suffering with epilepsy are more accessible and comprehensive today than ever before. Policy premiums in many cases are similar to those of people without epilepsy and in many circumstances exactly the same.
Here are trustsured, we have helped many individuals who make up the 500,000 people in the UK who suffer with epilepsy in it’s many different forms. The fact that there are a wide range of types of attacks means there are wide ranging considerations for insurance providers who may be approached with a person seeking to life insurance. The types of attacks and their frequency often can have a significant bearing on the outcome of an application. As with all of the customers who come to us with the need for cover and a medical condition to factor in, we have a specialist working knowledge of each of our providers in the context of how they will view applications from sufferers of epilepsy.
What if I have just been diagnosed with epilepsy?
As with nearly all medical disclosures and life insurance or critical illness cover, the length of time since diagnosis is a key consideration for an insurer. In general terms, if a diagnosis has been made very recently, then it can often become more difficult to find an insurer who is willing to offer cover at that moment in time. For example, if an individual was diagnosed within the last 6 months prior to applying for life insurance, it would be very common for any insurance provider to ask for more time before they consider the application (know as a ‘postponement’ in insurance speak). In these circumstances we are able to offer clear timelines as to when it’s best to revisit the subject with a view of being successful in obtaining cover.
What if I am a long term sufferer of epilepsy?
In cases with a more longstanding period since diagnosis there are other aspects insurance providers will want information on to establish a relevant decision. The obvious primary considerations are what type of seizures are involved when a epileptic episode is experienced. These are commonly group as petit mal epilepsy, absence attacks, television epilepsy or nocturnal epilepsy or the more severe form of grandma epilepsy also known as tonic-clonic seizures. The former are typically cause less issues when disclosed in relation to a life insurance and critical illness application, mainly due to the more controlled nature of the episodes as and when they occur. An individual who suffers with these forms of epilepsy and has done so for a while with often be able to secure premiums at little or no increase in cost to those offered to people without the condition.
What if I suffer from grand mal or tonic-clonic forms of epilepsy?
For sufferers of grand mal or tonic-clonic forms of epilepsy, a lot of emphasis will be given to how long ago the individual suffered their most recent attack, how many attacks they average in the course of a year. This along with the type and dosage of any mediation will determine how well the condition is managed and so will impact the result of what terms and at what price insurance can be offered for both life and critical illness cover.
So, in summary then, there are many variables that will always be taken into consideration by a prospective insurer when considering an application with an epilepsy disclosure. As mentioned above, this is why it is so vitally important to use a broker such as trustsured, who has an understanding of the implications of the conditions in the context of personal protection products as well as a panel of insurer to choose from in order to present customers with all their options.
As with all our dealing with customers, we always take the time to find out exactly what the needs are of the people we deal with. This means listening closely to what they tell us and then asking all the relevant questions surrounding their medical conditions so that we can present in detail the potential avenues they may wish to pursue as well as accurate costs for the insurance.
Get in touch with us today to see how we can help you
So, if you are one of the many people in the UK who suffers with epilepsy and would like to talk through what options you have for a life insurance or critical illness product, feel free to get in contact with us. Perhaps you already have an existing policy and feel you may be paying too much for it or you have a critical illness policy and would like to check its comprehensiveness against what we can offer at trustsured. If you fall into any of these scenarios, simply complete your details via one of the ‘get a quote’ tabs and let us know when you would like us to call. We have flexible office opening hours and are available in the evenings and at weekends.
We will always give you your options and prices over the phone and sent them out via email with all the supporting documents for you to review in your own time. If you decide you would like to proceed with any of the products we offer, your dedicated agent will guide you through the entire application process and explain everything along the way. Our aim is peel away all the layers of mystery and uncertainty from the process of obtaining life insurance or critical illness cover and instead make the whole experience and simple and hassle free as possible.