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Is There A Way For You To Get Life Insurance After You Survived A Stroke?

7th February, 2011 - Posted by health news - No Comments

Even if someone suffers a stroke, that does not mean that he or she cannot buy life insurance.

Stroke patients suffer either from anomalies in the way brain veins supply nutrients to the brain tissue, or from dangerous blood leakage inside their brain. Strokes may be slow, which are the cases when blood leaks into the brain tissue in small doses and press against the live brain tissue in the vicinity. Strokes can also be fast, whereby a burst vein will release a large amount of blood into one’s brain tissue. Such developments are called hemorrhage. Another type of stroke could be the result of thrombosis or arterial embolism . In those cases a congested vein fails to supply regions of the brain with enough oxygenated blood and renders it dead.

Either way, the unfortunate effect of a stroke is the loss of certain cognitive or physical skills in the patient. Depending on the location of the stroke within the brain, the affected skill may be vision, balance, speech, or muscle movement. Depending on the affected brain hemisphere, usually only one side of the patient’s body is impacted.

What is more, a patient who has already suffered a stroke (whether or not one with milder or more pronounced cognitive impact) is deemed prone to suffering another stroke or to have a higher propensity to suffering additional health complications. Fortunately, the stroke patient is in many cases going to continue living his or her life and not suffer additional serious health issues, they likely still require at least some amount of treatment or care from their family or qualified professionals.

So how does a stroke event in one’s health history affect one’s insurability? Do you have to worry? Well, not too much.

A stroke definitely has an ability to impact one’s chances of qualifying for life insurance. Ordinary cookie-cutter life insurance products may or may not be available depending on the severity of the stroke. In such cases, insurers will ask for details about the person’s entire health record , but most particularly the kind of the stroke, the insured’s age when the stroke occurred and any lasting or permanent cognitive or physical damage brought about by the stroke , such as problems with speaking and any medications prescribed to treat it.

Any history of pre-existing conditions that the patient may have, namely diabetes or troubles with unhealthy levels of cholesterol, can also have an effect on a person’s insurability. When a stroke is complemented by but a middling health history, the client is unlikely to qualify for traditional life insurance plans.

Guaranteed Issue Life Insurance products may be another way for stroke victims to acquire sufficient insurance coverage. :<Canada Protection Plan> who are ready to offer immediate insurance coverage to stroke victims as long as they have had the stroke longer ago than the time span specified in the policy application form – typically somewhere around two to three years. It is crucial to examine your simplified issue options before you apply for traditional life insurance policies . This is because if the client is turned down on traditional insurance first, they may actually lose eligibility for simplified issue insurance as well.