Life Insurance after a stroke can be possible, you should be prepared to provide the insurer with details regarding the time since your last episode, how many strokes you have had, the cause of the stroke, age at the time of onset and any permanent symptoms it has caused. The insurance provider(s) that you approach will wish to speak with your GP to establish the severity of your stroke and your general health following its occurrence.
If you have suffered a stroke due to migraines or the contraceptive pill then you may be able to obtain Life Insurance for stroke victims at standard terms in certain circumstances.
In general however you are likely to find that your Life Insurance for stroke victims will be accepted with a small premium loading if your stroke was mild with minimal complications. Where there have been recent instances of numerous strokes and/or severe episodes with permanent symptoms then your policy premiums may be rated highly, or in extreme circumstances your application declined. Where a person has suffered a stroke at a young age, and are currently aged 40 or under, the number of providers who can consider cover is substantially less however there often are options available.
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Critical Illness Cover
In the past Critical Illness Cover was not available for people who have had a stroke unless it was due to the contraceptive pill. Whilst the options are currently limited there are sometimes plans available, dependant on the nature of the stroke and overall health. Where cover is offered it is likely that strokes and related conditions would be excluded from the plan.
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Income Protection may be available if a stroke was due to the contraceptive pill but in other circumstances it is unlikely to be available. For Income Protection policies your application will need to detail your annual income and stroke history, in order for the insurer to fully assess your case.
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As an alternative you may wish to consider Accident, Sickness and Unemployment Cover which you can take out without any medical underwriting. An Accident, Sickness and Unemployment policy provides you with a regular monthly income should you be unable to work due to an illness, injury or through redundancy. These policies provide short-term benefits, with claim periods generally being set to a maximum of 12 to 24 months.
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Some potential problems experienced by individuals who have Strokes include:
- Speech difficulties
- Mobility difficulties
- Thought processes
- Visual problems
- Swallowing difficulties
- Acenocoumarol (Sinthrome)
- Actilyse (Alteplase)
- Asasantin (Aspirin/Dipyridamole)
- Aspirin (Angettes, Caprin, Nu-Seals)
- Brilique (Ticagrelor)
- Crestor (Rosuvastatin)
- Fluvastatin Sodium (Lescol)
- Heparin sodium
- Pravastatin sodium
- Ramipril (Tritace)
- Warfarin (Marevan)