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Life insurance after a stroke

Having a stroke can often be a life-changing event that has a major impact on you and your family. It makes sense an event like this could make you more determined to protect your loved ones than ever before.

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. It can be harder to find the right life cover after a stroke though, which can make it even more important to speak to an expert.

Stroke statistics UK

According to Stroke Association, there are over 100,000 strokes every year in the UK which is 1 every five minutes.

  • There are 1,300,000 stroke survivors in the UK
  • Every 5 minutes, someone in the UK suffers a stroke
  • Strokes account for around 75% of all deaths from cerebrovascular diseases

Find out moreStroke facts and figures UK

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YES – Stroke is one of the most common medical conditions in the UK. There are also thousands of people in the UK applying for life insurance after a stroke. 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.

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 some products available that will offer cover if you have been declined by the standard insurers. If you’ve been declined life insurance before, it’s worth speaking to an insurance expert to find out your best options.


Does life insurance payout for stroke?

YES – your life insurance policy should pay out a cash lump sum to your loved ones if you were to pass away following a stroke. This can be used to support them financially at an extremely difficult time, covering important expenses such as:

  • Funeral costs
  • Mortgage or rent payments
  • Utilities
  • School fees
  • Cost of living

Before choosing your life insurance, you should think about:

  • Mortgage amount (£s)
  • Outstanding debt (e.g. Loans, second charge, credit cards, and other)
  • Dependents
  • Spouse or Partner
  • Income (after Tax)
  • If you have assets to protect (e.g. car, house, business, etc.)

Will critical illness cover payout for stroke?

YES – in fact, strokes are one of the most common reasons for critical illness claims in the UK.

If you already have critical illness insurance and have a stroke, you can claim on your policy and receive a tax-free cash lump sum. This money can be used to help you cover costs including:

  • Paying mortgage or rent payments
  • Cost of living for a period of time
  • Adjustments to the home
  • Treatment to help your condition

Even if you have previously had a stroke, it can still be worth putting critical illness cover in place in case you are diagnosed with other serious medical issues. Other common reasons to claim include conditions such as cancer or heart attacks, which can happen to anyone.

How does life insurance work for stroke survivors?

In most cases where someone is applying for life insurance after a stroke, insurers will want to view medical information or a medical report. This report will be taken from your GP and is requested and paid for by the insurance company, not you.

Additional questions shouldn’t be anything to be overly worried about. Insurers simply want to be sure they have a clear picture of your health before deciding whether to offer cover and which policy will be most appropriate.

Can I get life insurance after a stroke?

YES – There can still be some great options available for life insurance after a stroke. Most people should still be able to find the life cover they need following a stroke.

Our experts will support you in finding the most suitable and affordable stroke life insurance policies from the UK’s top providers. There are various types of life insurance to choose from including:

Can you get life insurance with a family history of strokes?

YES – Having a known history of strokes in your family shouldn’t automatically stop you getting life cover, but it is something insurers may ask about.

Insurers will often ask if any close relatives have experienced common medical conditions, such as stroke, cancer or heart attack. This isn’t something to worry about and just helps insurers get an overall idea of risk when assessing your application.

Can you get life insurance after mini stroke?

YES – It is still possible in most cases to get life insurance following a mini stroke or ‘TIA’.

A mini stroke (also known as a transient ischemic attack or TIA) causes a brief interruption of blood supply to the brain, which usually only lasts a few minutes at most.

While the symptoms may not be as long lasting as a full stroke, insurers will assess the impact on your health as part of your application. You should still be able to get cover in most cases, and an insurance specialist can advise you on which providers will work best for you.

How much is life insurance for stroke victims UK?

If you have experienced a stroke in the past, then you might think that life cover isn’t available. The reality is that you might be able to get cover and the life insurance rates 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. Our team of independent insurance specialists have years of expertise and know which are the best life insurance companies for people who have had a stroke.

Life Insurance provider reviews

Life insurance after a stroke doesn’t need to be overly expensive. If you apply to the right providers, you may be able to get cover for far less than you might think.

Best life insurance for stroke survivors

You may worry it will be overly difficult to find life insurance with a stroke on your medical records. It is still possible to find excellent life insurance after a stroke, with the help of an advisor that has the right experience and background with stroke survivor life insurance.

There are lots of different types of stroke with varying severity of symptoms, damage, and treatments. Each insurance company has its own strengths when it comes to underwriting so the right option for you can vary.

It is important to 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 and policies to choose from as well as some more specialist providers for certain circumstances.

There are several medical conditions and lifestyle factors known to increase your risk of having a stroke. These include:

Strokes are a very commonly occurring medical condition and many people will go on to make a full recovery. It is also possible to live a full and happy life while dealing with the after effects of a stroke.

There are several well-known figures who have experienced strokes such as:

If you have had a stroke, there are many organisations and charities able to offer you and your family much needed support. This can be via access to support groups, online resources and more.

These services and charities include:

What is a stroke?A stroke is a serious life threatening condition that happens when the supply of blood to part of the brain is cut off.
What are the warning signs of a stroke?The NHS recommends using the word ‘FAST’ as a way recognise the signs of a stroke.

Face – Is their face, mouth or eye drooping on one side?

Arms – Can they lift both arms and hold them there?

Speech – Is their speech slurred? Can they understand what you are saying?

Time – Get medical help immediately.
What is stroke caused by?Strokes are caused by a blockage in blood flow to the brain or sudden brain bleeding (haemorrhage).
What are the different types of stroke?There are 3 main types of stroke:

Ischaemic stroke – the most common type of stroke which cuts off blood supply to the brain
Transient Ischaemic Attack (TIA) – also known as ‘mini stroke’ and causes temporary symptoms
Haemorrhagic stroke – caused by bleeding in the brain

Our team of friendly, skilled experts have helped many people across the UK find the best available life insurance after a stroke.

We know which providers and policies work best in this situation and can ensure you put the right cover in place – without having to pay ridiculous prices.

Call 0800 009 6559 to speak to a life insurance expert about your life cover.

Related pages:

Useful resources

NHS – Stroke

British Heart Foundation (BHF) – Stroke – causes, signs and symptoms

Brain Research UK = Stroke – Neurological condition

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Can I get life insurance with pre-existing conditions?

Yes, you will be able to get life insurance with almost any pre-existing medical condition, as long as it is not terminal. If traditional life insurance is not available due to the severity of your symptoms, then there are other guaranteed and specialist life insurance options, such as:

  • Accidental death
  • Over 50s life insurance
  • Guaranteed life insurance

Some of the most common examples of life insurance with pre-existing conditions are:

  • Overweight or High BMI life insurance
  • Diabetes life insurance (e.g. Type 2 or Type 1 diabetes)
  • Cancer life insurance
  • Heart attack or heart disease life insurance
  • Mental health life insurance
  • Multiple Sclerosis life insurance
  • Autoimmune disorders life insurance
  • HIV life insurance

There are literally thousands of types and variations of pre-exisiting medical conditions and so your situation is likely to be different to someone else. Life insurance with pre-existing conditions will take a number of elements in to account:

  • Severity and type of symptoms
  • Dates of diagnosis, episodes or attacks, and treatments
  • Any ongoing treatment and medications

Your life insurance premiums will be based on your own individual circumstances and how much cover you need. You should be able to adjust the levels of cover to suit your budget and it’s just as important to make sure that you at least have some cover in place.

What does Martin Lewis say about life insurance with pre-existing conditions?

MoneySavingExpert.com suggests that life insurance will ‘cost a lot more’ with a pre-existing medical condition. This is not true and it really does depend on your own individual circumstances so don’t be put off by this as they are not experts in this area.

It is true that some circumstances where the pre-existing medical condition is serious or severe, premiums can be higher to reflect the additional mortality risks. Ultimately, your life insurance premiums are unfortunately based on how likely you are to claim or if you have a higher chance of death within the policy term.

Martin Lewis doesn’t provide any real substance to his comment about pre-existing conditions life insurance and that’s not good enough. You should speak to a medical life insurance specialist to get a fully underwritten quote before you make any final decisions about whether or not you can afford to protect your family.

How much is life insurance with pre-existing conditions?

Most traditional life insurance providers will accept applications for people with pre-existing medical conditions. Often, you will have a number of potential options from several different insurance providers so you can usually save money as well by shopping around.

Historically you might have had less offers when you apply for life insurance with pre-existing conditions, but fortunately that is changing. Most of the more well-known high street life insurance brands are now offering more competitive rates and more flexible underwriting.

Top tips to save money on life insurance with pre-existing conditions:

  • Speak to pre-existing medical conditions specialist (these companies will understand the market better and should know which insurers will be cheapest for you)
  • Shop around and get different quotes (same as everything else, by shopping around you’ll get a better idea of what a good price is and what different companies offer)
  • Apply at the best time (timing can be important when applying for life insurance with pre-existing conditions, usually when symptoms are stable and not before or after treatment)

There are also other things to take into consideration, such as if you’re a smoker or if your weight is higher than normal. Can you do anything to improve your situation that might help to reduce your life insurance premiums.

Best life insurance for pre-existing conditions?

The best life insurance for pre-existing conditions will be different for each individual, based on their circumstances and the details of their health or medical history. There are certainly some insurance providers who are better for people with pre-existing medical conditions than others, such as:

  • The Exeter (better for people with more severe symptoms and serious health problems)
  • Legal & General (can sometimes be good for certain pre-existing medical conditions, especially mild to moderate symptoms)
  • Royal London (offers a number of specialist products and policies for certain pre-existing medical conditions such as diabetes and mental health)
  • Scottish Widows (sometimes good for moderate medical conditions and offers flexible underwriting for certain conditions)
  • The Guardian (also offers flexible underwriting towards some pre-existing medical conditions)
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