Stroke Insurance Questions & Answers

How do life insurance underwriters view person who have had a stroke?

Finding life insurance people who have had a stoke is very possible, but this is a medical condition that is also considered to have a higher risk when it comes to issuing a life insurance policy.

A stroke can be caused by a variety of factors and has varying degrees of impairment levels so each person who has had a stroke will be rated very differently.

One of the key underwriting criteria to get the best rating will be dependent on how soon the stroke was diagnosed and treated, and whether there was any permanent neurological impairment caused by the stroke.

Those individuals who have experienced a more significant physical impairment because of a stroke will be rated lower especially if there is any evidence of permanent neurological damage or a permanent loss of bodily motor control.

There are a variety of health and lifestyle factors that either directly cause or contribute to a stroke and these factors will be examined closely by an underwriter.

The primary criteria in rating a stroke will include a person’s age, and habits such as smoking, alcohol consumption, blood pressure and cholesterol levels, drug use or abuse, weight, diet and the extent of your lifestyle activity.

The underwriter will want to know what medications are being taken, and the results of any diagnostic tests such as a CT or MRI.

Obtaining life insurance for people who have had a stroke is possible but will differ considerably in the insurance rating process.

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What are the health risks of a stroke?

A stroke is also called Cerebrovascular disease and ischemia. It is considered a condition of the Cerebrovascular system and is caused by a sudden loss of blood (called ischemia) in one or more areas of the brain.

A stroke is generally caused by a blockage or a narrowing in of the arteries in the brain, or it may be caused by bleeding into the brain from a rupture of one of the brain’s blood vessels.

Symptoms of a stroke can include weakness or a tingling sensation in our limbs, a paralysis to one side of s person’s face and/or arms or legs. Other symptoms include a slurred manner of speech, reduction of eyesight, loss of motor skills, headache, confusion and possibly some form of mental dysfunction.

Finding life Insurance for people who have had a stoke

Obtaining life insurance for people who have had a stroke is very possible, but how the condition has impacted a person can significantly affect how the person is rated. The stroke will be used in conjunction with a variety of other criteria by life insurance companies.

Each life insurance company is different when it comes to rating criteria and can vary significantly from company to company which will impact the policy that is issued to a person and the cost.

Some companies are more liberal and lenient than other companies. Because a stroke is a special health condition, a person seeking life insurance should speak with those that specialize in high risk health issues such as an experienced and knowledgeable life insurance agent to find the best possible policy.