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Can You Get Life Insurance If You Have a Stroke
Life Insurance for stroke victims, is it possible?
People who had a stroke have many questions concerning life insurance. Above all, we know that having a stroke can be one of the hardest things someone can go through.
In fact, it is equally hard for family members. Understanding the warning signs and getting to the hospital FAST is the key to reverse any paralysis. This is absolutely pivotal in preventing permanent damage.
If you can get to the hospital in time to have medical personnel administer Thrombolytic drugs such as TPA (Tissue Plasminogen Activator) otherwise known as clot busters. Then the CVA cerebrovascular accident can be limited to no physical impairments.
These medications can stop the stroke and prevent brain damage by continuing blood flow. Other terms are Cerebrovascular Accident or CVA. When given these medications you will be monitored very closely for the next 24 hours.
Can you get affordable life insurance after a high-risk event such as a stroke? The answer is yes!!
Life Insurance for Stroke Patients
If you have had a stroke in the past you know how scary that can be. in addition, it’s very scary for the family members of the stroke victim as well.
My mom had a stroke at age 52. Unfortunately, she did not make it to the hospital in time to have tPA (tissue plasminogen activator) administered. These are otherwise known as clot busters.
Above all, because my mom did not get to the hospital in time she had permanent paralysis in her leg (30%), and her right arm (70%).
Because of this, it will be very difficult to get stroke insurance coverage. It’s very important to have very little if any residuals if you want the best stroke life insurance.
The reason I explain this example is to show the impact of not getting to the hospital in time.
Term Life Insurance After Stroke
If you are reading this and either you are the one or a loved one has had a stroke it will come down knowing who the right carriers are and the way they will look at you.
For instance, they will ask you questions about treatment, type of stroke, family history and your medical history. These questions are very similar to the questions asked when getting health insurance for stroke victims.
These are very important when determining life insurance quotes for stroke survivors.
***I am a national independent agent that has helped hundreds of stroke victims over the years obtain life insurance coverage. This is something that should not be taken lightly!! After a CVA, or if you have a family history of a CVA, YOU SHOULD BE COVERED!! PERIOD!! Call us to go over your options! There will be no sales pressure, just the best options that you can pick and choose from!
Does Life Insurance Cover Stroke
Applying for life insurance after having a stroke and getting approved will be based on many factors.
In fact, life insurance companies all have different guidelines when it comes down to life insurance for stroke survivors. When it comes to insurance for stroke patients they will wonder if it was (Mini stroke) tia transient ischemic attack.
Most of them will ask:
- was it the first stroke occurrence?
- What age at the time of stroke?
- Was it a full stroke?
If you had a CVA before the age of 45, then chances are it will be a decline and a guaranteed issue policy may be the only path.
However, if you are over 45 and it’s been over 6 months since having the CVA then you will be looking at a table rated policy between Table 3-5 AT BEST!!
Hemorrhagic Stroke and Life Insurance
When it comes to having a CVA, the brain cells are deprived of oxygen and can start dying within minutes.
The impact of CVA’s usually result in permanent brain damage, disability or even death. You can understand why the carrier will consider you as high-risk stroke insurance.
Getting term life insurance after a stroke can be even more challenging. Furthermore, when determining the insurance rating they will want to review medical records to determine risk factors.
Life insurance for stroke victims will be more pricey if you are not following the doctor’s orders. In some cases, it will be a decline.
However, if you are being consistent with follow-ups and taking the medication prescribed then as long as you have distance between the event you should have the peace of mind knowing you will get coverage.
Cerebrovascular Accident (Stroke)
A CVA or when a stroke occurs is when obstruction of the blood flow to the brain leads to permanent damage. It is also known as cerebral infarction.
If the symptoms are only temporary then it is considered a TIA. Also, a rupture of an artery or blood vessel in the brain is also called a stroke, full stroke or CVA term (Cerebrovascular Accident).
Big question is, How Can You Tell If You Had A Stroke?
Here are some of the signs of stroke and symptoms of a CVA:
- Paralysis of one side of the body
- Speech Difficulty
- Memory defects
The kinds of tests that are used to determine a person who has had a CVA is a CT Scan of the head or a brain MRI to find any blood clots.
Here are some types of treatment after a stroke:
- Physical Therapy (Rehab)
- Anticoagulants (Blood Thinners like aspirin and/or Coumadin)
- Hypertension control (High Blood Pressure Medications)
Here are some of the factors that can affect the life insurance rating if you have a history of a critical illness such as a cerebrovascular accident:
- High Cholesterol levels
- Generalized Atherosclerosis (Plaque Buildup in arteries)
Can you get life insurance after a Transient Ischemic Attack (TIA)
In some cases, a mini-stroke, otherwise known as a Transient Ischemic Attack TIA is when a stroke only lasted a short period of time, usually a couple of minutes.
For instance, the blood supply is briefly blocked and it happens suddenly. Symptoms of a TIA are similar to some stroke symptoms like numbness or weakness in one side of the body.
Although the underwriting guidelines are very similar for TIA life insurance, as long as it is a single episode then it is possible to get a standard rating.
Furthermore, if you smoke tobacco or have a history of heart attack or stroke from the past you will be an automatic decline.
So the question, “does life insurance cover heart attacks and stroke”, the answer is no if you had a history of both.
Life Insurance After Mini Stroke
After having a mini-stroke you might think it will be cheaper to get life insurance or “stroke quotes” versus if you had a full-blown stroke.
In fact, the rating class is virtually the same. However, this might not be after 3-5 years. For instance, you are more at risk of having another mini-stroke or a severe stroke within 12-18 months of having an episode.
In addition, it will come down to medications that will determine stroke quotes medical rating. This rating will ultimately determine the price.
Life Insurance Underwriting Questions and Ratings
You may wonder about the life insurance underwriting questions you will be asked.
Whether you are years after a CVA and are looking for term life insurance after a stroke the importance of approval is based on the questions that are asked and the rating that you can get.
Your agent will go over this in detail to alleviate any concerns.
One of the best carriers when it comes to life insurance for stroke survivors is Prudential.
These are the ratings and questions that are asked when determining rate class.
These questions and answers are also in your policy under product disclosure statements.
Here are the ratings based on medical history and answers to the above questions.
Keep in mind, if you have had multiple episodes affecting parts of the brain, dementia or significant physical or mental impairment then you will generally be a decline.
You will still be eligible for a guaranteed issue or graded policy from other carriers we represent. These policies can be purchased for any trauma cover and are sometimes called trauma insurance.
Stroke Survivor Quotes
Obviously, whether its cancer, heart attack or a CVA getting life insurance after these events is a must if you are able to.
All three of these pre-existing conditions have a risk of it happening again as high as 40% in the first 5 years.
Don’t put it off!! Rolling the dice with your family’s financial future is not a good plan. You must make sure they are financially ok for the long term.
What about term life insurance after a stroke? With that said, let’s see what life insurance for a stroke victim will cost with a trauma insurance quote.
John is a 55-year-old new grandfather to twin girls. After his stroke just 1 year ago he has been doing great and no symptoms or paralysis. He just did his one year follow up and his Doctor says he is doing great.
John wanted to make sure in the event of this happening again, he wanted to make sure his family is taken care of until his retirement age of 65 when he can take a large pension.
John figured he would need about $500,000 in life insurance for 10 years to make sure the mortgage is taken care of and his wife with a little cushion. This would be paid out as a lump sum.
Is LifeLine Screening a Good Idea
Lifeline screening has been around since 1993. It is run privately. They specialize in prevention and wellness.
They have been featured in The Wall Street Journal. LifeLine has screened over 9 million people in the last 25 years. You may have seen their ads in newspapers or commercials on your television. And you may be asking yourself, is lifeline covered by insurance? The short answer, NO.
Medicare and Medicaid do not cover most of the costs either. It is best to give them a call to inquire about the cost per screening.
Is screening with LifeLine the right choice for me? If you have a family history of strokes, high blood pressure, diabetes, obesity, etc. Then Life Line’s screening may be an option for you.
What does LifeLine Screen For
- Carotid Artery Disease
- Atrial Fibrillation
- Peripheral Arterial Disease
- Chronic Kidney Disease
- Type 2 Diabetes
and much more!
LifeLine Screening Phone Number Contact Information
Barton Oaks Plaza 2, Suite 130
901 South Mopac Expressway
Austin, TX 78746
LifeLine Phone Number: