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Suffering a stroke can often be a life-changing event that can have a major impact on you and your family. Life insurance, critical illness cover, and income protection can all provide vital financial stability to your loved ones if you suffer a stroke or after a stroke.

According to Stroke Association, there are over 100,000 strokes every year in the UK which is 1 every five minutes. Stroke is the fourth biggest killer in the UK and there are more than 1.2 million stroke survivors living in the UK.

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Life insurance for people who have suffered a Stroke

If you’ve suffered from a stroke in the past then you might think that life insurance isn’t available. The reality is that you might be able to get cover and it can be very affordable.

You might also have been declined cover in the past because you’ve suffered from a stroke. This is fairly common and unfortunately, there are companies who haven’t got the experience to be able to deal with your application. Don’t worry, speak to one of our team of experts…

Facts about Stroke Life Insurance

If you or someone you know has had a stroke, it can be a difficult time and we understand that you may be concerned regarding the likelihood of obtaining insurance after a stroke. This is where we can support you – in finding the most suitable yet affordable stroke life insurance policies from the UK’s top providers.

Whether you are fully recovered back to your pre-stroke self, or continue to experience symptoms, we are here to support you in finding a stroke life insurance policy, for income protection, critical illness, and travel insurance cover.

More information about LIFE INSURANCE

Can I get life insurance if I’ve had a Stroke?

Stroke is one of the most common medical conditions in the UK. People applying for life insurance after having a stroke are also high numbers. You can get cover in most cases where the symptoms are fairly mild to moderate and not much long-lasting damage.

This can depend on how quickly your stroke was detected and how quickly you received treatment. Also, it can depend on how severe the stroke was in terms of the level of the attack. In most cases where someone is applying for life cover after a stroke, insurers will want to view medical information or a medical report. This report can be obtained from your GP and will be requested and paid for by the insurance company, not you.

If your stroke was mild or a TIA (Transient Ischemic Attack, sometimes called a mini-stroke) then you should find insurance terms are positive. You should also find in more severe cases that cover will still be available for the vast majority of people.

The questions you will generally be asked about a stroke on a life insurance application will include:

  • Was your stroke caused by any of these? Blood disorder, high blood pressure, head injury, hole in the heart, migraines, or other
  • How many times have you suffered from a stroke?
  • Have you been diagnosed with heart attack, atrial fibrillation, heart valve problems, diabetes, peripheral vascular disease, or chronic kidney disease?
  • When did you have a stroke?

There are also some products that will offer cover if you have been declined by the standard insurers. If you’ve been declined life insurance before because you’ve had a stroke then it’s still worth asking us.

Has Coronavirus (COVID-19) made a difference in getting life insurance after a stroke?

The recent situation with the coronavirus pandemic has caused some changes to insurance underwriting. It is fair to say that the virus caused additional issues when applying for life insurance, especially for people with existing conditions. Some conditions which could be considered higher risk saw greater restrictions than others.

There were some extra questions which were added to most life insurance applications relating to Coronavirus:

  • Have you been told to self-isolate?
  • Are you experiencing any symptoms of Coronavirus?
  • Have you been exposed to the risk of contracting COVID-19?
  • Do you know someone with Coronavirus who you have been in contact with?

This situation was unprecedented in the global insurance market so re-insurers reacted quickly. This was mainly to avoid an increase in claims which would make cover less affordable in the future.

Some of the restrictions we saw for people with pre-existing medical conditions such as stroke were:

  • Lower underwriting limits (higher risks not accepted or postponed)
  • Restrictions to levels of cover available

More information about COVID-19 LIFE INSURANCE

Which are the best life insurance companies for someone who’s had a stroke?

There are several major insurance providers in the UK, including Aegon, Aviva, AIG, Legal & General, and Zurich. All of these companies have their own underwriting philosophy which can also change regularly. It can be tricky to find the best company if you’ve had a stroke without the help of an expert.

There are also lots of different levels of severity of stroke with different symptoms, damage, and treatments. Each insurance company has its own strengths when it comes to underwriting so the right one for you could be any of these companies.

You should also know that if you’ve been declined by one or several insurance companies in the past, then that isn’t the end of the road. There are lots of companies to choose from as well as some more specialist providers for certain circumstances.

Is it possible to get critical illness cover if I’ve had a stroke?

Stroke is one of the most common medical conditions claimed for critical illness cover. People who have experienced a stroke in some cases can still get this type of policy. This depends on the type of stroke and in mild cases where the stroke has caused no lasting damage.

A critical illness cover policy for someone who’s had a stroke generally won’t include cover for another stroke. There are policies that can be cheaper that will offer this type of cover with anything relating to stroke excluded.

Can someone who’s had a stroke get income protection?

If you’ve had a stroke and are able to go back to work then you might want to consider income protection. It’s possible to get this type of cover after you’ve had a stroke and there are some unique products available just for you.

There are lots of cover options with income protection which can be confusing. If you’ve had a stroke then it can make it even more confusing in some cases to find the right cover. Some policies will even offer cover for related conditions or symptoms so it’s important to get the full picture of what’s available.

Income protection can be affordable if the right coverage options are selected. There’s lots of choice and options with this type of policy so make sure that you get all your facts before choosing.

How much does Stroke life insurance cost?

When you apply for stroke life insurance, it is more than likely that most insurance companies will want to understand your diagnosis greater by speaking to your personal GP. This will help them gauge the severity of your stroke, along with any family history, and symptoms such as high blood pressure.

If you have suffered a mini-stroke with little symptoms, most stroke survivors will be offered stroke life insurance with a small premium loading. However, if you have experienced a full stroke with/or recent symptoms, or a stroke which has affected your long-term health, greater premiums will be added to your terms.

To retrieve your own stroke life insurance quote, click here.

Exclusions for stroke life insurance, critical illness cover, income protection, or travel insurance

A further outcome which you may experience when applying for stroke life insurance is ‘exclusions’. Exclusions are viewed as health conditions that are linked/caused by your stroke diagnosis. If you are applying for stroke life insurance, critical illness cover, income protection, or travel insurance, exclusions may be applied depending on your circumstances.

How much cover do I need?

When considering the amount of cover required, it is difficult to give a clear recommendation prior to understanding the severity of your stroke diagnosis. However, there are some factors that you can personally consider prior to applying for stroke life insurance, critical illness cover, income protection, or travel insurance. The below breakdowns will give an estimation of the amount of cover you need for your personal requirements and budget:

Stroke life insurance amounts of cover

After suffering a stroke, the obtainment of valuable yet affordable life insurance is possible. However, the severity of your stroke, along with the symptoms you experience will influence your premiums and the possibility of exclusions. If you have suffered a severe stroke with reoccurring symptoms, we recommend contacting our team today. They will point you in the right direction when considering cover such as life insurance.

Prior to applying for stroke life insurance, here are some factors to think about:

  • Mortgage amount (£’s)
  • Outstanding debt (e.g. Loans, second charge, credit cards, and other)
  • Dependents
  • Spouse or Partner
  • Income (after Tax)
  • Assets (e.g. car, house, business, etc.)

Stroke critical illness cover amounts

Critical illness cover for stroke sufferers is limited, however, there are options available. This will be based on your day to day living after suffering a stroke. We advise contacting our team of specialist consultants to discuss the options available to you, offering similar protection as critical illness cover. If you are eligible for critical illness cover, here are some factors to help you gauge cover amounts:

  • Income (after Tax)
  • Mortgage payments (annual)
  • Cost of living (annual)
  • Any other possible costs (e.g. medical treatment or adaptations)

More information about CRITICAL ILLNESS COVER

Stroke income protection amounts of cover

When applying for income protection, it is important that you provide insurance companies with information regarding your health condition. This will include your stroke diagnosis, symptoms, any health complications, and your working status. The income protection cover is available for those who have suffered a stroke, however, a premium loading may be added to your policy, along with exclusions. We recommend discussing your personal requirements with our expert consultants – if income protection isn’t available to you, alternative products such as accident, sickness, and unemployment cover will be recommended.

If income protection is available, here are factors to consider:

  • Monthly income (after tax)
  • Mortgage/rent payments
  • Debts (other)
  • Cost of living

More information about INCOME PROTECTION

Useful Links

Here are some useful resources regarding Strokes:

Stroke Association – Charity

NHS – Stroke

British Heart Foundation – Charity

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