If you have an attic access panel in your ceiling and are concerned about heat loss, don’t despair. You can easily insulate and weatherstrip it in about an hour.
Here’s one good method. Staple long pieces of duct tape (sticky side up) onto the attic scuttle door. Then add insulation batting to form a pillow and wrap it up like a birthday present as shown. Add foam insulation tape around the edges to seal the perimeter where it rests in the access hole.