Mini Strokes are part of our high risk life insurance underwriting. If you had a mini-stroke, aka a TIA and need life insurance, we will help you find the best life insurance companies for you based on your medical history.
Mini Stroke Life Insurance Overview
A mini stroke is a brief neurologic attack that resolves itself without any permanent damage. Symptoms such as dizziness, fainting, difficulty with speech, blurred vision, numbness, etc. with these symptoms disappearing within a 24 hour period.
Mini Stroke Life Insurance Underwriting
The main underwriting concern with is the risk that you will have additional mini strokes. Life insurance underwriters will review your medical history, and will look to rule out cardiovascular disease as that is the leading cause of death for mini stroke victims.
Once you have been checked out by your doctor, are taking any medications that may be needed, and other health issues have been ruled out, it is possible to obtain life insurance.
Mini Stroke Underwriting Specifics
Age 55 seems to be the magic age as far as how underwriting will treat you. If you were age 55 or older at the time of your mini stroke, life insurance underwriting tends to be more favorable than if you had one prior to age 55.
It’s common for life insurance companies to postpone offering coverage to you for 4-6 months after your mini stroke.
Life Insurance 4-6 months After a Mini Stroke
- Age 55 and Over – Standard rates plus an additional 50 – 75% increase over standard life rates.
- Under Age 55 – Standard rates plus an additional 50% increase over standard life rates.
Life Insurance 1 Year After a Mini Stroke
- Age 55 and Over – Possible standard life rates.
- Under Age 55 – Possible standard life rates.
Life Insurance 5 Years After a Mini Stroke
- Age 55+ – Standard Plus Life Rates may be available.
- Under Age 55 – Standard Plus life insurance rates.
After 10 years, it may even be possible to qualify for a preferred non-smoker life insurance rates.
Life Insurance if You Still Smoke After Having a Mini Stroke
If you still smoke after having a mini stroke, underwriters are going to charge you a lot more for life insurance, and may just simply decline your application. Underwriting will typically add an additional 25-50% rating for continued smoking.
The best way to find life insurance after a mini stroke is to let us shop your information out to multiple life insurance companies. It only takes a few days for us to receive feedback from the companies and to provide you with accurate life insurance quotes.
At LifeInsuranceAdvisors, our high risk life insurance expertise will help you find your best life insurance rate.
Keep in mind that there is never any pressure or obligation with our life insurance service. We’ll give you the information you need to make an informed decision about your life insurance.