Have you been declined for life insurance due to Transient Ischemic Attack?
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 Transient Ischemic Attack? And if so…
2. How much will it cost?
Yes, most individuals will be able to qualify for traditional life insurance after a Transient Ischemic Attack, 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 – A best case of TIA would be one that is diagnosed and the cause of Oxygen depletion identified and, therefore symptoms prevented. These cases usually remain asymptomatic and therefore may get a “Standard” rating. Click here for quote at “Standard.”
Moderate Case – A moderate case is one with a determined cause of ischemia such as the presence of a clogged artery or a dislodged atherosclerotic plaque. And if these have been removed and the symptoms of numbness or weakness prevented then it may get a “Mild Substandard” rating. If, however, the symptoms are frequent and there is evident neurological impairment, a “Medium Substandard” may be given.
Common Questions to Assess Rating Class
If you’re unsure which of the above health classes to quote yourself at (Standard, Mild Substandard or Medium Substandard), please see the questions below:
1. When was your Transient Ischemic Attack diagnosed and how frequent are the attacks?
TIA that has been diagnosed for a long time will present data that can show how frequent the symptoms appear and what is the extent of neurological impairment involved. These data will be the best way to determine the appropriate 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, chance of getting a “Medium Substandard” is high.
3. Are you taking medications to control your blood pressure or prevent plaque buildup?
The need for medications like antihypertensives and statins is very important. It ensures that the passageway for the blood is clear and that the heart is able to supply the brain with the necessary Oxygen level. Compliance to medications with fewer episodes of TIA attack may get you a “Mild Substandard” rating.
4. Do you have regular check-ups with your physician?
Regular visits to your doctor mean compliance and the chances of TIA control very high. You may get a “Mild Substandard” rating for your compliance.
5. Do you have relevant diagnostic tests in the past six months?
Recent diagnostic tests like MRI or CT-scan of the brain will show the area affected by the ischemia. 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 Transient Ischemic Attack
Transient Ischemic Attack (TIA) is a type of stroke that is commonly referred to as a “mini stroke.” It is the result of a transient loss or decreased supply of Oxygen to the brain caused by narrowing of a brain vessel or the presence of a blood mass (solid, liquid or gas) that occludes the blood flow.
It presents similar, but transient symptoms of stroke such as one-sided numbness, weakness or tingling sensation of the face, arms and legs. TIA may also present temporary symptoms of loss of vision, momentary slurring of speech and brief mental confusion.
TIA differs from stroke because the symptoms come and go quickly; it may last from a few seconds to minutes, but not more than 24 hours.
Related Keywords: mini stroke, transient ischemic attack, TIA, stroke, ischemic attack