TIA Life Insurance

Life Insurance Following a Transient Ischaemic Attack (TIA): Finding the Right Solution

If you’ve experienced a Transient Ischaemic Attack (TIA), also known as a mini-stroke, you may be concerned about securing life insurance. Many standard insurers can view this type of incident as a higher risk factor, meaning it can feel difficult to find the right policy. Your Life Protected recognises these challenges and is focused on providing specialist support for individuals with pre-existing health conditions. Our approach is always tailored to the individual, and we are committed to ensuring you get the policy that is right for you.

What is a Transient Ischaemic Attack?

A TIA occurs when the blood supply to part of the brain is temporarily disrupted, which can cause symptoms similar to a stroke, lasting from a few minutes up to 24 hours. As the blood supply is only temporarily disrupted, it does not cause any permanent brain damage. The causes of a TIA can vary, but often involve issues with:

  • Blood clots: Blockages caused by blood clots that form in a blood vessel, travelling to the brain, and then temporarily blocking the blood flow.
  • Narrowed blood vessels: Narrowed blood vessels can slow down or temporarily stop the blood flow to the brain.
  • Other risk factors: A number of other factors can increase the risk of suffering a TIA, such as high blood pressure, smoking and heart disease.

Common symptoms of a TIA include sudden:

  • Weakness or numbness on one side of the body.
  • Difficulties with speaking or understanding speech.
  • Loss of vision in one or both eyes.
  • Balance issues, dizziness or feeling unwell.
  • Severe headache.

Understanding the Impact of TIAs on Life Insurance Applications

A TIA can be seen as a warning sign by insurance companies as it indicates a temporary disruption to the blood supply in the brain, which can be a marker for future events. Specific challenges for those who have experienced a TIA may include:

  • Increased Risk Perception: Insurers may view a previous TIA as an indicator of an increased risk of future strokes or other cardiovascular events, and this will be factored in during the underwriting process and can affect your premium.
  • Underlying Causes: Insurers often need to explore the reasons behind your TIA, which can lead to higher costs, should certain factors be in play.
  • Medication Requirements: The need for long-term medication, such as antiplatelets or anticoagulants, may also be a factor for insurance providers, who will need to fully understand your medical history.
  • Complex Terminology: Clients who have no experience in the medical world can find it difficult to understand the application process, we’re here to help with this process keeping things as ‘jargon free’ and smooth as possible.

Your Life Protected: Tailored Solutions, Expert Guidance

We aim to make the process as clear and simple as possible for clients, by taking away all the complexity and confusion that you may face if you attempt to secure cover on your own. We offer:

  • Specialist Knowledge: Our team has a deep understanding of the UK life insurance market, and the specific challenges that clients with pre-existing medical conditions face.
  • Personalised Support: We listen to your needs and treat every situation as unique, tailoring cover specifically to your requirements.
  • Straightforward Applications: We will guide you through all elements of the process and will aim to make all applications as simple and straightforward as possible.
  • Clear Quotes: Our free, no-obligation quotes will enable you to review your options at your own leisure.

What Information Do I Need to Provide?

When applying for life insurance after a TIA, you should be ready to discuss:

  • Date of TIA: When did the TIA occur?
  • Symptoms: What were the specific symptoms you experienced?
  • Duration: How long did the symptoms last?
  • Investigations: Have you had any investigations to identify the cause of the TIA?
  • Medication: What medication are you taking to help to manage or prevent further episodes?
  • Underlying Conditions: Do you have any related or underlying health conditions?

Please ensure that you answer all questions truthfully and with as much information as possible, as this will allow us to secure the most appropriate policy for you.

Ready to Explore Your Options?

Don’t let a past TIA prevent you from securing the protection your family needs. Contact Your Life Protected today for honest advice, guidance and a free, no-obligation quote.

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Will having a TIA mean my life insurance premiums are higher?

It’s possible that a previous TIA could impact your premiums, but many insurance companies are experienced in covering clients with pre-existing conditions, and we will work to get you the best policy at a competitive price.

Will I be refused a policy completely if I have had a TIA?

No, not necessarily. We work with a wide range of insurers, and have considerable experience securing cover for those who have experienced a TIA.

What are the common risk factors associated with a TIA that insurance companies will consider?

Insurers will want to consider factors such as high blood pressure, heart conditions, smoking, high cholesterol, and diabetes.

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We work with the UK's leading & specialist Life Insurance providers.

  • Aviva
  • Legal & General
  • Liverpool Victoria
  • Royal London
  • Scottish Widows
  • The Exeter
  • Vitality
  • Zurich
  • Guardian
  • Shepherds Friendly
  • HSBC Life
  • Holloway Friendly

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If you are looking for Life Insurance and you have a medical condition, we can help. Talk to our Life Insurance experts today.