Life insurance for someone that had a stroke
What is a stroke or cerebrovascular accident?
A stroke occurs when brain cells die due to lack of oxygen caused by poor blood flow in the brain. The poor blood flow could be a result of blocked or damaged blood vessels.
Strokes are one of the leading causes of death in America. The CDC reports that there were 146,000 deaths from strokes in 2016: making it the fifth leading cause.
Are there different types of strokes?
There are two basic types of strokes:
- A hemorrhagic stroke results from a blood vessel that ruptures in the brain. The rupture causes a decreased blood flow in that vessel. Additionally, the blood that flows out of the vessel can cause increased pressure in the brain which in turn can damage nerve cells and/or collapse other blood vessels.
- An ischemic stroke results from blocked blood vessels. There three types of ischemic strokes:
- Thrombotic – a blood clot is formed in a blood vessel going to or in the brain. Many times the clot is a result of plaque damaging the blood vessel.
- Thromboembolic – a blood clot from in the brain breaks off an clogs a vessel farther down the line in the brain.
- Embolic – If a blood clot forms in a vessel outside the brain and subsequently travels to the brain to block a vessel there it is considered embolic. People with atrial fibrillation or had a previous heart attack have an increased risk of an embolism because slow or irregular blood flow has a greater tendency to clot.
What is a Transient Ischemic Attack or TIA
A TIA is also know as a mini-stroke. With a TIA there is temporary blood flow blockage that does not result in permanent damage. This can be considered a warning sign of future strokes as one third of TIA victims will suffer a stroke in the future.
How do life insurers rate someone that had a stroke?
Most life insurers will rate a case based on:
- Cause – The most common causes are hypertension and atherosclerotic plaque.
- The time duration since the stoke(s)
- Other common risk factors:
- heart disease
- peripheral vascular disease
What life insurance rate class could someone that had a stroke expect?
Someone that had a stroke over two years ago and had no other health problems may be able to get a standard rate. However, all risk factors need to be taken into account. And, every life insurer views the risk a little differently. So it may be best to get a few companies to review any particular case.Rate a stroke case now learn how to handle impaired life cases