About iam|INSURED and why we’re different

We're experts in life insurance and health insurance, especially for people with medical conditions, dangerous jobs and hazardous activities. We've helped thousands of families to get the best protection over the past 20 years and make sure that they pay a 'fair price'. Everyone is different and their financial needs are unique to them... which is why we treat everyone as individuals and do our best t help. We're also rated 4.9 out of 5.0 by our customers

Stroke Life Insurance

Facts about Stroke Life Insurance

Have you or someone you know suffered a stroke? This is 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, to income protection, critical illness and travel insurance cover.

To discuss our available policies or to start the application process for stroke life insurance, contact our team on 01244 732 890.

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 .

Your premiums for stroke life insurance will depend on:

  • Your stroke diagnosis, including any symptoms and treatment.
  • Your family history, and any further health conditions.
  • The type of insurance product you’re looking for – (Income protection, critical illness cover, travel insurance).
  • The term of your stroke life insurance policy.

Percentage (%) loading for stroke life insurance

When applying for stroke life insurance, insurance providers will take the above factors into consideration when calculating cost. One strategy used is percentage loading, which is where a percentage is added onto your premiums based on your personal circumstances. Depending on which provider you select, percentages will vary when applying for stroke life insurance.

Per mille loadings for stroke life insurance

An additional strategy used by providers is ‘per mille loading’. Per mille loading is where an additional amount will be added on top of your premiums, based on the amount of cover you apply for when considering stroke life insurance.

To understand how premium loadings are applied and could possibly be applied to your stroke life insurance, contact our team today 01244 732 890.

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 which 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 which 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 on 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)

Contact our team today to discuss your options when applying for critical illness cover 01244 732 890.

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. 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

Stroke travel insurance amounts of cover

Are you looking to travel abroad soon? Discuss your plans with our team today who will recommend travel insurance for those with pre-existing medical conditions, such as a stroke. Click here to view our travel insurance policies:

Purchasing your stroke life insurance policy with I am Insured

If you’ve suffered a stroke and feel uncertain about your future, contact our expert team today who will reassure you through our array of affordable stroke life insurance policies. Whether that be a generic stroke life insurance policy, to income protection, critical illness cover or travel insurance, we have a database of top providers, ready to support you.

Please be aware that each provider will have unique underwriting guidelines, which will influence premium loading and exclusions when applying for stroke life insurance. We advise reading through their terms and conditions prior to purchasing. However, do not worry – we are here to help you through this process and ensure you are receiving a suitable amount of cover for your needs.