Life insurance after a stroke

A stroke is when the blood supply to part of the brain is cut off, or if there’s bleeding within the brain. ^{Footnote [1]} Without blood, brain cells can be damaged or die, leading to symptoms like difficulty speaking, paralysis, and facial weakness. ^{Footnote [2]}  

There are a few types of strokes with different causes:

• An ischaemic stroke is caused by a blockage in an artery supplying blood to the brain. ^{Footnote [2]}  
• A haemorrhagic stroke is caused by a blood vessel bursting and bleeding into the brain and is the most common type. ^{Footnote [2]}  
• A transient ischemic attack (TIA) is often called a mini-stroke. It's a temporary blockage with stroke-like symptoms that go away on their own; however, they still need to be treated urgently, as they can happen before a full stroke. ^{Footnote [2]}  

If you suspect you or somebody you know has had a stroke or stroke-like symptoms, you should get medical help as soon as possible.

To check for signs of a stroke remember FAST:

• Facial weakness – one side of the face may droop, and it might be hard to smile.
• Arm weakness – you might not be able to fully lift both arms and keep them there because of weakness or numbness in one arm.
• Speech problems – you may slur your words or sound confused.
• Time – time to call 999. ^{Footnote [3]}  

You may be able to get life insurance after a stroke, but it all depends on your personal circumstances.

As a stroke is considered a pre-existing medical condition, insurers may look at several additional factors when considering whether to provide you with life insurance, such as:

• Severity and type of stroke. For example, a less serious stroke such as a TIA may have less impact on your application than a stroke that is considered more serious.
• Time since stroke. The more time that has passed since the stroke, especially without any further complications, the better your chances of getting approved. This does depend on individual circumstances.
• Medical records. They may want to access detailed medical records showing your recovery, treatment, and current health status. Some insurers may also require a medical check.
• Lifestyle changes. Positive changes like quitting smoking, maintaining a healthy weight, and regular exercise can have a positive impact on your chances.

The cost of life insurance after a stroke will depend on several factors, but you can generally expect higher premiums.