Specialist life insurance for people living with epilepsy
Compare quotes from insurers who look at your seizure history properly, not just the word epilepsy.
Why getting life insurance with epilepsy feels hard
You've probably been here before. Long forms, personal questions, and then a decline, or a quote that didn't reflect years of managing your condition well.
Most insurance systems weren't built for epilepsy. When the computer sees the word seizure, it often stops reading. It doesn't ask when your last seizure was, whether your medication is working, or how long you've been living well with your condition.
Many people with epilepsy quietly assume they can't get cover, or that it would cost a fortune. In our experience, that's often not true.
We know which insurers will look at your situation properly. That's the whole point of us.
The protection you need for a secure future
Life insurance with epilepsy
A tax-free lump sum for your family if you die during the policy term. For many people with well-controlled epilepsy, this is more achievable and more affordable than they expect.
Income protection
A monthly income if illness or injury stops you working. Underwriting is stricter with epilepsy and some policies carry conditions, so we'll always be straight with you about what's realistic before you apply.
Learn more about income protection with epilepsyCritical illness cover
A lump sum if you're diagnosed with a serious illness covered by the policy. Availability depends on your seizure history. We'll tell you honestly what's on the table.
Learn more about critical illness cover with epilepsy
You shouldn't be written off because you live with epilepsy
If you're:
- Frustrated after being declined
- Worried about how your family would cope without your income
- Putting it off because you dread the forms and the questions
- Angry at a quote that ignored years of good control
we can help.
Turned away already? Here is what to do after being declined because of epilepsy.
How we make getting life cover simple
01
Fill out a quick health check
A few minutes online. We ask about your epilepsy and general health so we know which insurers to approach.
02
Get tailored advice
A specialist adviser talks through your options and matches you with insurers who understand epilepsy.
03
Get covered
We handle the paperwork and keep you updated. Straightforward cases can often proceed without a GP report, and if one is needed we arrange it and chase it for you.
What insurers want to know about your epilepsy
Insurers don't all treat epilepsy the same way, and that's exactly why choosing the right one matters. The things that genuinely influence an application are:
- When your last seizure was. Seizure-free time is your strongest asset. The longer it's been, the stronger your position, and well-controlled epilepsy can achieve standard or near-standard terms with some insurers.
- How often seizures happen. Someone with a handful of seizures a year is assessed very differently from someone with frequent ones.
- The type of seizures. Whether you lose consciousness matters to underwriters.
- Your medication. Stable, consistent treatment on the same medication reads well. Recent changes usually prompt more questions.
- How long you've been diagnosed. A long track record of managing your condition counts in your favour.
- Hospital admissions. Recent seizure-related admissions will affect terms; older ones matter much less.
None of these decide the outcome on their own. One insurer's no is not every insurer's no, and our job is knowing the difference.
Read more about how insurers assess epilepsy.
Meet the people behind More Than Epilepsy
We're Andy, Sam and Luke, the Stevens family, born and raised in Kent. We've spent years helping people with medical conditions get life insurance that treats them fairly, after hearing too many stories of people being overcharged or turned away by insurers who didn't understand them.
More Than Epilepsy exists because people living with epilepsy face that problem constantly, and often feel like they're being a nuisance for even asking. You're not. You'll always speak to a named UK-based adviser, never a call centre.
Our family, looking after yours.
Thousands of people across the UK have trusted us with their cover. More Than Epilepsy is a trading style of More Than Money Ltd, authorised and regulated by the Financial Conduct Authority.
Your premiums can actually come down
- Been seizure-free longer?
- Medication reduced or stable?
- Stopped smoking?
- Health improved?
Every year, you can come back to us for a review. If your circumstances have improved, we'll look for ways to bring your premiums down.
Frequently asked questions
Ready for a proper answer?
No pressure, no judgement, no obligation. Tell us about your epilepsy and we'll tell you honestly what's possible.
Want to know more about us first? Meet the family.