Life Insurance for Stroke Survivors

Life Insurance

Experiencing a stroke can lead to the loss of control over facial muscles, arms, and speech, which can be concerning. Regardless of your current stage in recovery from a stroke, whether fully back to your old self or still dealing with symptoms, our support is always available to you. Our responsibility is to carefully listen to you, understand your perspective, and connect you with an insurer that is empathetic to your situation.

Information we should be aware of:

1. How many strokes have you had?
2. When did the stroke happen?
3. Was it a full stroke or TIA (mini-stroke)?
4. What caused the stroke?
5. Do you have any lasting symptoms?

Obtaining life insurance following a stroke is feasible. The insurer may want to talk to your GP to determine the seriousness of your stroke and your current overall health. This is a common procedure for various health issues and is nothing to worry about.

After a stroke, life insurance at standard terms may be available if caused by the contraceptive pill or a fully recovered traumatic head injury.

Typically, life insurance for stroke survivors can be approved with a slight increase in premium, especially if the stroke was mild and had minimal complications. If there have been multiple strokes or severe episodes with lasting symptoms, your policy premiums may increase or your application could be denied. In that case, you may need to consider specialized life insurance policies.

For individuals who have suffered a stroke at a young age and are 40 years old or below, there are fewer insurance providers who can offer coverage. Nevertheless, there are usually still options to explore, so don’t hesitate to seek them out.

Critical Illness

Historically, critical illness cover was not an option for individuals who experienced a stroke, except in cases related to the contraceptive pill. There may be plans available depending on the type of stroke and general health, despite the current limitations in options. In cases where there is coverage available, strokes and related conditions are typically not included in the plan.

Income Protection

Income protection can be provided after a stroke under specific conditions.

Applicants must provide information on the cause of their stroke, their work status, general health, and any lingering effects of the stroke for income protection purposes.

The best choice for an income protection policy would have an own occupation claims definition.

An alternative option to consider is Accident, Sickness, and Unemployment cover, which can be obtained without the need for any medical underwriting.