Stroke Life Insurance
If you have been diagnosed with a Stroke, you are likely so find Life Insurance companies increase your premiums or even refuse to offer cover altogether. The outcome of a Life Insurance application will depend on several factors including the type and severity of the Stroke you have suffered.
There are two main types of Strokes and two different mechanisms that cause them:
The first and most common type is an Ischaemic Stroke, this is caused by a blood clot which restricts the flow of blood & oxygen in the brain. The severity of the Stroke will very much depend on the area of the brain that was affected, and the length of time blood flow was restricted.
The second type of Stroke, a Haemorrhagic stroke, results when a vessel in the brain bursts and causes an accumulation of blood to build and compress surrounding tissue.
Both types of Stroke have many of the same symptoms which can include:
- Sudden trouble speaking
- Changes in vision
- Muscle weakness
- Confusion
- Nausea and vomiting
- Paralysis of one side of the body
Strokes are a very common occurrence and affect approximately 120,000 people in the UK each year. The permanent damage caused by a Stroke varies from case to case, many people go on to make a full recovery, some may experience ongoing minor impairments and some may be left with immobility and reliance on others for care.
The type of Stroke you have suffered from and the level of impact it has had on your life will affect the cost of your life insurance policy.
Will I be able to get Life Insurance if I have had a Stroke?
You will find that Life Insurance companies will want to know quite a lot about your Stroke history in order to be able to decide firstly; if they can provide cover and if so at what cost. Below are some examples of the types of questions that insurers will need to ask to find out more about your condition:
- When did you have a stroke?
- What was the cause of the stroke?
- What type of stroke did you have? e.g. Transient Ischemic Attack (TIA), Ischaemic Stroke or Haemorrhagic Stroke?
- Do you have any ongoing symptoms? e.g. Muscle weakness or Speech issues.
- Did you receive any surgery?
- What medication are you taking?
Your answers to these questions, along with more general lifestyle related questions will determine your premium.
At Your Life Protected, we specialise in finding Life Insurance for people with pre-existing medical conditions including those who have suffered a Stroke. We deal with major insurance companies and have a wealth of experience in each one’s underwriting policies with respect to particular medical conditions. This enables us to efficiently identify the most economically appropriate policy for our clients.
If you have experienced a Stroke and need Life Insurance, discuss your situation with one of our expert advisers, give us a call on 01275 404268. Alternatively, go to our Get a Quote page and submit an enquiry. We do not use high pressure sales techniques and will be very happy to spend time discussing your situation to see if we can help you.
If you would like more information on Strokes, below are some useful links:
- Can I get Life Insurance even if I have been refused previously?
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In most cases the answer if yes: Life Insurance providers in the UK have differing rules when it comes to Stroke survivors, just because one has refused cover, it doesn’t mean others won’t be able toprovide the Life Inusurance you need.
- How much does Life Insurance cost after a Stroke?
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This will very much depend on your circumstances: Your Age, BMI, Smoking Status and general health will all be assessed alongside the severity and cause of your Stroke. You will ultimately pay more for Life Insurance (compared with an individual who has not suffered a Stroke), but the best way to discover out your options is to speak with one of our Advisers.
- Will I be able to secure Life Insurance if I have had more than one Stroke?
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Securing Life Insurance will be much more difficult if more than one Stroke has occurred. The cause, severity and lasting impact of the Strokes will all be assessed before any decision can be made. Though securing Life Insurance will be trickier to obtain, in many cases options are still available.
