After a Stroke has been diagnosed, you are likely to find that Insurance companies will charged an increased level of premium for Life Insurance. The precise effect on your premium will depend on a number of factors including the type and severity of the Stroke you have suffered.
There are two main types of Stroke and two different mechanisms that cause them.
The first and most common type, an Ischaemic Stroke, is caused by a blood clot blocking one of the arteries in the brain. This results in the brain tissue that is supplied by that artery being starved of oxygen and subsequently dying.
The second type of Stroke, a Haemorrhagic stroke, results when an artery in the brain bursts and subsequently is no longer able to supply blood and oxygen to that area of the brain
Strokes are a very common occurrence and affect approximately 120,000 people in the UK each year. The permanent damage done by a Stroke is very variable, ranging from minor impairment of one or more limbs, to full-blown immobility and reliance on others for care.
The type of Stroke you have suffered from and the level of impact it has had on your life will affect the cost of your life insurance policy.
You will find that Life Insurance companies will want to know quite a lot about your Stroke history in order to be able to decide if they can provide cover and if so at what cost. Below are some examples of the types of questions that insurers will need to ask to find out more about your condition:
Your answers to these questions, along with more general lifestyle related questions, will determine your premium.
At Your Life Protected, we specialise in finding Life Insurance for people with pre-existing medical conditions including those who have suffered a Stroke. We deal with major insurance companies and have a wealth of experience in each one’s underwriting policies with respect to particular medical conditions. This enables us to efficiently identify the most economically appropriate policy for our clients.
To discuss your situation with one of our friendly consultants, please give us a call on 01454 633289. Alternatively, go to our Get a Quote page. We do not use high pressure sales techniques and will be very happy to spend time discussing your situation to see if we can help you.
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