Comprehensive guide to life insurance for epilepsy sufferers. Yes, you can get life insurance with epilepsy - over 630,000 people in the UK live with epilepsy and many successfully obtain cover. Our specialist impaired risk team with 15+ years experience can help you compare quotes from multiple insurers who understand epilepsy applications.
By: Rob Rutherford Impaired Risk Specialist Updated: 6th January 2026
Compare Life Insurance Quotes »Yes, it could be possible toarrange life insuranceif you have epilepsy.
It’s often believed that having epilepsy automatically results in increased premiums, restricted protection or the risk of being declined. However, this may not always be the case.
Epilepsy is a complex condition, therefore your individual circumstances will be taken into consideration during the application process to establish the right option for you.
Over 630,000 people in the UK are living with epilepsy, with 80 people being diagnosed with the condition everyday[1].
With this in mind, insurers are used to receiving applications from people with epilepsy.
If you have concerns about securing life insurance, why not contact LifePro?
We can guide you through the application and compare prices from multiple insurers, free of charge.
We also have a specialist team who have a great track record of finding cover for those who have struggled to secure protection in the past.
All quotes are fee-free and no-obligation, simply contact us.
Enter your financial commitments and key costs to understand how much epilepsy life insurance you might need.
The amount of life insurance you need depends on your financial obligations and what you want to provide for your loved ones. A common rule of thumb is to have cover worth 10 times your annual salary, though your individual circumstances may require more or less.
Consider the following when calculating your life insurance needs:
For example, if you have a £200,000 mortgage, earn £40,000 per year, and want to provide 10 years of income replacement, you might need around £600,000 of cover (£200,000 + (£40,000 × 10)).
Use our free comparison tool to get personalised quotes from 50+ UK insurers, including Epilepsy Life Insurance, and find the right level of cover for your needs at the best available price.
Compare Life Insurance Quotes »As someone with epilepsy, you can still choose between multiple life insurance options.
However, due to your condition, some policies may be more suitable than others.
With most policy types, you’ll need to provide medical information. Depending on the severity of your condition this could impact the price you pay and your eligibility.
Below we have broken down the most common types of life insurance and how epilepsy could affect your application:
Yes, most people with epilepsy can get life insurance. Your application will be assessed based on your individual circumstances including seizure frequency, type of epilepsy, medication compliance, and how well controlled your condition is. Our specialist impaired risk team has extensive experience helping epilepsy patients find suitable cover.
It depends on your specific circumstances. Well-controlled epilepsy with infrequent seizures may result in standard or slightly increased premiums. More severe or poorly controlled epilepsy may lead to higher premiums or exclusions. Each insurer assesses epilepsy differently, so comparing multiple providers is essential.
Insurers typically ask about: type of epilepsy, date of diagnosis, seizure frequency and dates of last seizures, medications you take, hospital visits or treatments, whether you drive, and if your condition is controlled. Be honest and accurate - non-disclosure can invalidate your policy.
Being declined by one insurer doesn't mean you can't get cover elsewhere. Different insurers assess epilepsy risk differently. Our specialist team knows which insurers are more accommodating to epilepsy patients and can find options even if you've been declined previously.
Critical illness cover is more difficult to obtain with epilepsy as insurers consider it a pre-existing neurological condition. Some insurers may offer cover with epilepsy exclusions, while others may decline. Life insurance alone is usually more achievable for epilepsy patients.
If you're 50-85 and have severe epilepsy that makes standard life insurance difficult or expensive, over 50s guaranteed acceptance life insurance may be an alternative. However, cover is limited (£2,000-£20,000) and premiums are higher per £1,000 of cover. Always explore standard life insurance options first.
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