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Can I Get Life Insurance If I Have Had A Stroke?

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Reviewed By: Rob Pinner

Rob Pinner Rob Pinner is the founder and CEO of Pinner Financial Services servicing all 50 states. Rob started his insurance career in 2002.

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Fact Check By: Holly Mitchell

Holly Mitchell’s background in life insurance insurance goes back to 1985 when she worked for her father who was a New York Life agent. Holly has a marketing degree from Auburn University and has had a life insurance license since 2008. In addition to advising life insurance for customers all around the country, Holly is our website fact checker.

Yes, we can insure you if you have had a stroke!

Many people who have had a stroke worry that life insurance is out of reach for them.

Either the premiums will be too high or they will be declined outright.

While a stroke is something life insurance companies are very concerned about when underwriting a clients risk, there are still options. 

Can I get life insurance if I have had a stroke?

A major concern for life insurance companies is the tendency of strokes to reoccur. If you have recently had a stroke, most life insurance companies will delay your approval for six to twelve months.

A study published by the US National Library of Medicine found that the risk of reoccurrence of stroke by five years is 30% and 13% by one year, but after the first year, the annual risk of reoccurrence is about 4%. The conclusions of this study asserted that efforts “at secondary prevention should be initiated as soon as possible and continued for several years to gain the greatest benefit.”

The studies conclusion about the benefits of prevention means that stroke sufferers are not doomed to pay super-high life insurance premiums or go without a policy at all. The Mayo Clinic says the “good news is that strokes can be treated and prevented, and many fewer Americans die of stroke now than even 15 years ago.”

Up to 80 percent of strokes can be prevented.

This gets back to something life insurance companies consider paramount when underwriting a client with any impaired risk. There is a direct correlation between a clients level of effort to treat and control any disease or disorder that is “impairing” their risk and the willingness of life insurance companies to place that client in a much more favorable (and affordable) rating class. 

If you commit yourself to a program of health and stroke prevention, including lifestyle changes and physician recommendations, your chance of a long life increases dramatically. Accordingly, many life insurance companies will allow you to have your risk reevaluated and your premium reduced.

A stroke is a dangerous but treatable condition and there are life insurance companies that rate their clients risk based on this knowledge.

We have access to all the top carriers and we always find the lowest rates available. We know which insurers rate stroke victims most favorably and so underwriters will place you in the best risk category possible.

The types and results of tests you have taken after your stroke are important.

First is the  CT or CAT scan (computerized axial tomography).

This is a series of x-rays that shows whether there is bleeding in the brain and also whether your stroke was ischemic or the more serious hemorrhagic type. Life insurance companies are also interested in the results of an electrocardiogram (EKG or ECG) which will reveal any heart problems that contributed your stroke.

Can I get life insurance if I have had a stroke?

Life insurance companies are also concerned with your blood work.   Additionally, your life insurance company will consider the type of stroke you have had, the amount of damage that has occurred, any residual effects of your stroke and medications you are taking.

We are very familiar with helping clients that have had a stroke. 

Recently we were able to insure a client at a standard smoker rate on a  life insurance policy for $1,200,000.  This was a universal life insurance policy with Lincoln Financial.   Our client was 64 years old and still smoked cigarettes. 

He had lost the use of the left side of his body but we were able to still get the standard tobacco offer.  Other than the stroke and the fact that he was still a smoker, he was still healthy.  He controlled his blood pressure, cholesterol, and had no diabetes. 

Is Life Insurance Expensive After a Stroke?

A risk assessment can possibly help you save you thousands of dollars in life insurance premiums over the course of your policy.

This involves shopping around to all of the insurance companies.  Dealing with underwriters and impaired risk like stroke are best left to the experts. 

It might seem impossible, but snagging an affordable policy after a stroke is not only possible, but we can make it simple. You make one call to us, it couldn’t get any easier.

Frequently Asked Questions

I recently had a stroke, can I get life insurance?

A major concern for life insurance companies is the tendency of strokes to reoccur. If you have recently had a stroke, most life insurance companies will delay your approval for six to twelve months.

What will a life insurance company need to know if I have had a stroke?

They will need to know what types and results of tests you have taken after your stroke. First is the CT or CAT scan (computerized axial tomography). This is a series of x-rays that shows whether there is bleeding in the brain and also whether your stroke was ischemic or the more serious hemorrhagic type. Life insurance companies are also interested in the results of an electrocardiogram (EKG or ECG) which will reveal any heart problems that contributed your stroke.

Will I be able to get life insurance after a stroke?

Your life insurance company will consider the type of stroke you have had, the amount of damage that has occurred, any residual effects of your stroke and medications you are taking.

What if I cannot qualify for life insurance after a stroke?

If you have had a severe stroke and have been declined for life insurance you can go with a guaranteed issue policy. The premiums will be higher and the coverage amount likely will be less, but at least you will have some coverage.

2 Responses

  1. My name is Michael Aldrich, 55 years of age and working full time as a roofing manager. I had an ischemic stroke in August 5th 2017.
    I do take different medications. I have never smoked and try to exercise when I can.
    I don’t have the strength I used to but have mobility on both sides.
    I’m looking for a $25,000.00 life insurance but all I have now is a $100,000.00 accidental policy.
    I’ve been turned down couple of years ago.

  2. Hi Michael – there are some simplified issue whole life policies that you will qualify for. Give us a call for a quote.

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