Have you been declined for life insurance due to Cerebral Thrombosis?
Luckily, you’ve come to the right place.
At High Risk Life Insurance Agency, we specialize in “high risk” life insurance.
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 Thrombosis? And if so…
2. How much will it cost?
Yes, most individuals with Cerebral Thrombosis will be able to qualify for traditional life insurance, the type of insurance which requires a medical exam.
But you’ll need to apply with a life insurance company that is accustomed to impaired risk cases, not an auto insurance company that just happens to also offer life insurance.
Best Case Scenario – If a single episode of Cerebral Thrombosis has been diagnosed and treated over a year already, and has been stable with no symptoms of seizures or mental incapacity since the time of recovery, it may qualify for the best rating at “Mild Substandard”. Click here for quote at “Mild Substandard”.
Moderate Case – Those cases of Cerebral Thrombosis that have been stable for one year, but present mild symptoms of chronic headache or recurring hypercoagulability, and if these episodes are controlled, may still qualify for a “Medium Substandard” health class. Click here for a quote at “Medium Substandard”.
Severe Case – With severe and recent complications such as general weakness or paralysis of one side of the body and other stroke-like symptoms may 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 or Medium Substandard), please see the questions below:
How many years ago was your diagnosis of Cerebral Thrombosis?
A single episode of Cerebral Thrombosis that has been diagnosed treated and has been stable for over a year ago and presents no complications such as stroke-like symptoms may qualify for a “Mild Substandard” rating. Multiple and recurrent episodes with complications such as seizure disorder, however, are automatically declined.
You might also be interested in reading this article “Life Insurance Approval with Cerebral Embolism”
Have you experienced any symptoms within the last six months to one year?
Symptoms such as chronic headache, visual problems or one-sided body weakness may be signs of serious complications of Cerebral Thrombosis. These symptoms may be reason enough for you to get a decline. You, however, may still qualify for a graded death benefit policy.
Are you taking any medication?
Medications like anticoagulants are very important to take regularly to keep your condition stable and even with your maintenance medications you may still qualify for the best rating at “Mild Substandard” or a “Medium Substandard”. Provided, however, that you only have a single episode of Cerebral Thrombosis, and you do not have any complications such as blood coagulation problems or kidney disease.
Do you have regular check-ups with your doctor?
It is important that you have regular visits to your doctor because this could prove that your condition is controlled and you do not have any recurrence of your condition. The best rating you can get is at “Mild Substandard” or “Medium Substandard”.
Have you had any relevant diagnostic tests in the past 6 to 12 months?
Recent diagnostic tests such as brain MRI or CT-Scan is the best way to assess if you have any recurrence of Cerebral Thrombosis. Normal results plus a stable condition for one year may get you the best rating at “Mild Substandard”.
If you have a history of Cerebral Thrombosis are there any risk factors that may result to a recurrence of your condition?
There are risk factors that can result to a recurrence of your Cerebral Thrombosis. They include pregnancy and postpartum, any recent head or neck surgery, blood disorders, kidney problems, infections of the ears, nose or throat are among them. If you have any recent incidence of any of these, you may get a decline. But you may still qualify for a graded death benefit policy.
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 Thrombosis
Cerebral Thrombosis, also known as cerebral venous sinus thrombosis (CVST) is a condition where there is the presence of an occlusive blood clot (thrombosis) in the arteries or veins of the brain. The more common of the two is a blood clot inside the dural vein sinuses, the artery is less common.
Common risk factors for this condition include viscosity of the blood (hypercoagulability) or other coagulation problems, kidney problem, lupus, chronic bowel inflammatory disease, pregnancy or postpartum, blood disorders, infections of the eyes, ears, nose and throat area, direct injury to the vein sinuses, dehydration, sickle cell anemia and any medical or surgical procedures done in the head and neck area.
The symptoms of Cerebral Thrombosis are non-specific as they depend on the brain area affected by the clot, but the most common ones include headache, stroke-like symptoms, vision problems, seizures and loss of function or weakness on one side of the body from the face to the lower extremity.
In elderly people, however, the significant symptoms are associated with mental or behavioral changes that sometimes lead to a decreased level of consciousness.
See our other articles on Head and Brain Disorders and CLICK HERE!