I just read an article about the increase in strokes for young people and this was not a big surprise to me as I get calls every day from people that have health issues, and it does seem like many health issues like strokes are occurring in younger and younger people.
If you’ve had a stroke or a TIA (mini-stroke) and need life insurance, below is some information that will help you to better understand the issues for life insurance underwriting purposes and how to get the absolute best offer on life insurance if you’ve had a stroke or mini-stroke.
A TIA (Transient Ischemic Attack) is a warning sign of stroke. The risk of stroke shortly after a TIA is between 10% – 20%. More than 30% of people that have a TIA will someday have a stroke.
According to the National Stroke Association, about 25% to 35% of people that have had a stroke will have a second stroke in their lifetime. Within 5 years of a stroke, 24% of women and 42% of men will experience a recurrent stroke. Recurrent strokes have a higher rate of death and disability.
According to the World Health Organization, stroke is the 2nd leading cause of death in the world.
There are also a high percentage of people that have had a stroke or mini stroke that will die prematurely from other vascular and even non-vascular issues.
I think of the whole vascular system as plumbing for the body. If you have a blood vessel that gets blockage in your brain and causes a stroke or mini stroke, it is also possible that blockages could be forming in other areas, like in the vessels that supply blood to your heart.
While I’m sure there are those people that are otherwise healthy and then have a stroke, risk factors like smoking, poor diet, lack of exercise and obesity do seem to play a BIG part in the likelihood of having a stroke or TIA based on my experience.
If you’ve had a stroke or a mini stroke and need life insurance, and assuming your health is fine otherwise, following are the things I’d need to know to see if you are insurable and what it will cost you to buy life insurance:
- What is your gender and date of birth?
- Did you have a stroke or a TIA?
- What was the date of your stroke or TIA?
- What prescription medications do you take and do you take a daily aspirin?
- Was your stroke an ischemic stroke (caused by a blockage in blood vessel) or a hemorrhagic stroke (caused by a blood vessel that ruptured)?
- Do you have any neurological residual affects from the stroke (i.e. problems with thinking or reasoning, memory loss, speech impairment, vision problems, depth perception, bowel or bladder control)?
- Do you have any debilitation which was caused by the stroke (paralysis, trouble walking, sever headaches, etc)?
- Do you live on your own and are you able to walk around and care for yourself without assistance (i.e. bathing, dressing, eating, going up and down stairs, etc)?
- Are you disabled and collecting disability benefits?
- Have you ever used tobacco? If yes what type, how much and how often used and what was approx date of last use?
- Do you have ANY other health issues (i.e. diabetes, heart disease, atrial fibrillation, peripheral vascular disease, hypertension, past cancer, etc)?
- What is your height and weight?
If you’ve had a stroke/TIA and you have other issues like diabetes, heart disease, past cancer, etc. I’d need to get more details on all of your issues to be able to shop your case properly to get accurate offers.
After a stroke, many life insurance companies may rate you and some will also charge an extra premium for up to 4 years from the date of recovery in addition to the “rating”. The “extra premium” can vary greatly from company to company and it’s possible that an insurance company may not charge an extra premium if you have no residual affects from the stroke and if your health is good otherwise.
The life insurance offers after a TIA will usually be a lot better than if you’ve had a full blown stroke.
I’ve done a lot of stroke and TIA cases and I’ve learned a long time ago that just because one insurance company made good offer on a past stroke case does not mean they will on another.
What I do is compile an email with answers and details to the above questions and I email underwriters at every quality insurance company.
I also like to find out any positive changes you’ve made in your diet, exercise and lifestyle to help you maintain good future health so that I can relay this information to all of the underwriters as letting them know that you are being proactive about maintaining good health can be that little push I need to get that best offer possible!!
After I get all tentative offers, I’d present you with the best ones to see if you’d like to apply for any of them.
Click the link above for an accurate quote or call or email me if I can help you. 1-800-380-3533 is the phone # and ask for G3 or email me at firstname.lastname@example.org.