Underwriting implications

It is likely a person who has been newly diagnosed with epilepsy would not be considered for life or critical illness (CI) protection for at least six months since diagnosis, and for income protection (IP) that period could be at least 12 months. This allows the condition to be investigated, treated and stabilised. For symptomatic epilepsy it is likely the underlying cause of the epilepsy will be of more interest to the underwriter and GP reports may be required to assess the case. However, in many cases of idiopathic epilepsy an underwriting decision may be possible without the need t...