We know it can be frustrating searching for a life insurance policy with a history of Cerebral Embolism.
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.
Your Answers in 2 Minutes
Stick with us for two minutes, and you’ll have two important questions answered:
1. Can you qualify for life insurance with Cerebral Embolism? And if so…
2. How much will it cost?
Yes, most individuals with Cerebral Embolism will be able to qualify for traditional life insurance, the type of insurance which requires a medical exam.
But you won’t be able to get this rating through your auto insurance company.
Best Case Scenario – Cerebral Embolism can be rated the best case scenario if there is only one episode of brain occlusion and the patient recovers with no complications, and gets stable for a period of one year. These cases can be rated at “Mild Substandard”. Click here for quote at “Mild Substandard”.
Moderate Case – Those cases with more than one episode, but still has no irreversible complications to the brain and other organs may qualify for a “Medium Substandard” rating. These, however, may require further evaluation and diagnostic exam. Click here for a quote at “Medium Substandard”.
Severe Case – With moderate and recent symptoms of occlusion and managed complications, the best approval may be at a “Severe Substandard”. These cases, however, will need a thorough medical examination and a series of diagnostic exams. Click here for a quote at “Severe Substandard”.
For those cases with multiple episodes of Cerebral Embolism and with irreversible organ damages it will get an automatic decline.
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:
How many years have you been diagnosed with Cerebral Embolism?
If your Cerebral Embolism has been diagnosed over a year ago and shows all signs of good recovery with no serious complications to the brain, there is a good chance for you to get a “Mild Substandard” rating. If, however, your latest examinations show some minor complications the best rating you may qualify is at “Medium Substandard”.
Are you taking any medication?
The need for medications like anticoagulants to prevent occlusion episodes is very important to prevent life threatening conditions. If you are religious in your medication management and your symptoms are very seldom, then you may get a “Mild Substandard” or “Medium Substandard” rating.
You might also be interested in reading this article “Life Insurance After a Stroke”
Do you have regular check-ups with your neurologist?
Regular visit to your neurologist is a good sign of control of the condition and may get you a “Mild Substandard” rating. It is, however, necessary for laboratory and diagnostic exams to confirm the absence of permanent complications to the brain’s function.
Do you have other medical conditions?
If you have other medical conditions such as atherosclerosis or diabetes, this may cause a “Severe Substandard” rating or in worst cases a decline.
If you don’t seem to fit into one of the ratings above, I recommend requesting life insurance quotes from “standard” to “severe standard” so you understand the range of possibilities.
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 Cerebral Embolism
An embolus or emboli in plural form is a travelling piece of undissolved particle (solid, liquid or gas) that is detached from a vessel and flows freely with blood. Examples of an embolus could be a blood clot, cancer cells, bone marrow, thrombus plaque, air or clumps of bacteria.
These emboli are carried through the blood flow and are capable of clogging or creating a blockage in the small capillary veins and arteries of the brain called Cerebral Embolism. The resulting condition may cause cerebral ischemia, transient ischemic attack or stroke, which is often irreversible and life threatening if not managed promptly.
The lack of blood supply due to the blockage in the brain can cause various problems to the major organs of the body. Symptoms of cerebral embolism may vary depending on the location of the occlusion; it may include loss of consciousness, weakness, paralysis, slurring of speech, one-sided loss of function are among them.
See our other articles on Head and Brain Disorders and CLICK HERE!