Have you been declined for life insurance after a Stroke?
Luckily, you’ve come to the right place. Indeed, we help individuals of all ages and all sorts of medical conditions at High Risk Life Insurance Agency.
Our 2 Minute Promise
Stick with us for two minutes, and you’ll have two important questions answered:
1. Can you qualify for life insurance after a Stroke? And if so…
2. How much will it cost?
Yes, most individuals will be able to qualify for traditional life insurance after a Stroke, the type of insurance which requires a medical exam.
However, these types of approvals can only be offered by life insurance companies that are accustomed to high risk life insurance cases.
Best Case Scenario – Best case after a Stroke would be early recognition and management with no permanent neurological damage like paralysis or cognitive dysfunction. Most of these cases have a “Mild Substandard” rating. Click here for quote at “Mild Substandard”.
Moderate Case – A moderate case after a Stroke would be early recognition of symptoms and prevention of debilitating and irreversible neurological damage. Symptoms like one sided body weakness or paralysis that are controlled after successful therapy may still qualify for a “Medium Substandard” health class. Click here for a quote at “Medium Substandard”.
Severe Case – A severe case would have obvious permanent neurological damage plus other known medical conditions like Diabetes that presents a higher risk for yet another episode of Stroke. The best approval you may obtain is a “Severe Substandard” rating. Click here for a quote at “Severe Substandard”.
You may have difficulty qualifying for traditional coverage, but could be eligible for a graded death benefit policy.
Common Questions to Assess Rating Class
If you’re unsure which of the above health classes to quote yourself at (Mild Substandard, Medium Substandard or Severe Substandard), please see the questions below:
1. What is your age on your next birthday?
Age is important after a Stroke not because of the risk factor, but because of the chances of good prognosis. The younger you are the higher the chance of good recovery, which may get you a “Mild Substandard” rating.
2. Do you have any of the following risk factors?
Risk factors include smoking, alcohol, high blood pressure, elevated blood cholesterol, drug use or abuse, obesity, unhealthy diet, sedentary lifestyle and diagnosis of other medical conditions like Diabetes or kidney disease. If you have any of the following risk factors, chances of getting a “Medium Substandard,” “Severe Substandard” or even a decline is high.
3. Are you taking medications to control your blood pressure?
The need for medications like antihypertensives and anticoagulants for your blood pressure control blood is very important. It ensures that the heart is able to supply the brain with the necessary Oxygen level. Compliance to medications with no other risk factors may get you a “Medium Substandard” rating.
4. Do you have regular check-ups with your physician?
Regular visits to your doctor mean compliance on your part and present a good sign of a controlled condition. Compliance to your doctor’s management lessens the chance of another Stroke attack.
5. Do you have relevant diagnostic tests in the past six months?
Recent diagnostic tests like MRI or CT-scan will show the extent of neurological damage after your Stroke and the chances of recovery or yet another attack. These are the best ways to assess your actual condition.
If you are still unsure which rating class you fall under, we suggest getting a life insurance quote at multiple substandard ratings, so you can familiarize yourself with the range of substandard premiums.
Using the Instant Life Insurance Quote form on the right, select the rating class that best suits you based on your answers to the questions above, as well as complete the amount and type of coverage needed.
An estimate will appear on the next page.
If we can help you with a quote or to apply for coverage, call us at 877-443-9467.
Overview of Stroke
Stroke is an acute cerebrovascular condition caused by a sudden or acute cognitive dysfunction due to loss of blood supply (ischemia) to an area or areas of the brain.
A Stroke can occur as a result of sudden ischemia, narrowing or blockage in the arteries or of bleeding that can lead to rupture of the blood vessels in the brain.
Common symptoms of Stroke include weakness, numbness, tingling sensation or paralysis of the face, arms or legs (usually one-sided); slurred speech; poor eyesight; loss of motor skills; mental dysfunction such as confusion, headache or loss of balance.
Related Keywords: stroke, cerebrovascular disease, ischemia, ischemic stroke, hemorrhagic stroke