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TIA life insurance

TIA or transient ischemic attack is also known as a ‘mini stroke’ because it’s the same as a full stroke but doesn’t last as long.

If you’ve suffered from a TIA in the past and you need life insurance to protect your family, it can be confusing. Many people who have suffered from a TIA or a stroke don’t think they can get life cover, which isn’t always the case.

According to statistics by NICE, approximately 50 out of every 100,000 people in the UK suffer a TIA each year.

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About TIA life insurance

Here’s a bit of useful information that will help you to get the right cover to protect your family after a TIA.

Can you get life insurance after a TIA?

YES – it is often possible and sometimes can be simple to get life insurance after a TIA. There are a few standard questions that you’ll need to answer about your medical history.

Common life insurance questions about TIA’s

  • How long did your symptoms last?
  • What was the cause of your stroke?
  • How many times have you suffered from a TIA?

Often a TIA will be linked with:

  • Blood disorder
  • High blood pressure
  • Head injury
  • Migraines
  • Oral contraceptive pill


Will I need a medical for TIA life insurance?

In most cases when you apply for life cover and you’ve had a TIA, you’ll need to provide a medical report. This report will be provided by your GP or your specialist and you’ll just need to accept it to be sent.

You don’t need to get this report yourself because the life insurance company will pay for it and get it for you. All you will need to do is sign a form or accept it online so they can speak to your GP.

Does life insurance payout for TIA?

Life insurance generally does not exclude any pre-existing medical conditions or anything you might suffer in the future. This means that you’ll be covered if you suffer from a TIA or stroke in the future, regardless of whether it’s happened before.

You’ll need to make sure that you disclose everything you’ve had previously so it’s important to be clear and honest.

If you fail to disclose medical information then it may affect any claims made in the future.

Best life insurance for TIA

Here are some of the main types of life cover and what to expect if you’ve had a TIA in the past.

Term life insurance after a TIA or family protection cover is the best way to protect your family if you die. This type of policy is often very affordable and can be available through most of the main life insurance brands.

Mortgage life insurance after a TIA is the same as family protection except that it’s specifically to cover your mortgage. Premiums for mortgage protection or decreasing term life cover are even cheaper than term life insurance because the amount of cover reduces with your mortgage.

Critical illness cover after a TIA is sometimes available through some mainstream insurers. If you apply for critical illness cover after a TIA then you might find that it can be slightly difficult or confusing.

There are several options depending on how long ago you had your TIA and how severe your symptoms were. You might also be accepted for cover with an exclusion on associated medical conditions.

Income protection after a TIA is also possible in many cases based on when you suffered the attack and how severe it was. Often you’ll find that certain exclusions might apply to your policy which will include stroke and cerebrovascular conditions.

Does life insurance payout for TIA?

Yes, you’ll be able to claim on an existing life insurance policy if you suffer from a TIA. Most traditional life insurance policies won’t have any exclusions applied if you’ve already suffered a TIA.

As long as you disclosed details about your TIA on your application then you’ll be able to claim again in the future. Some policies might come with exclusions which include:

You should check your policy documents closely to make sure that you are covered or speak to an insurance expert.

What if I’ve been declined life insurance because of a TIA?

If you’ve applied for life insurance in the past and you were declined, then you might need to check to see why. There are several reasons why you might have been refused life cover in the past after suffering a TIA.


Common questions about TIA’s

Here are a few of the most common questions that people ask after suffering from a TIA or mini-stroke.

Can a TIA cause death?

In the majority of cases where someone has suffered from a TIA, it does not lead to immediate death or causes permanent brain damage. The risks of death are increased in older age and depend on other lifestyle factors, including smokers, and diabetes.

What are the signs of a TIA?

Symptoms or signs of a TIA are similar to a stroke, however, typically don’t last as long. These include weakness, numbness, paralysis (in arms, face, or legs), slurred speech, blindness, and loss of balance or coordination.

Is a TIA caused by stress?

Increased levels of stress, anger, and depression symptoms are all known to cause higher risks of TIA’s or stroke, especially in middle-aged and older. The connections have not yet been explained but are known as ‘stroke risk factors’.

Is a TIA considered to be a stroke?

The common term for a transient ischemic attack (TIA) is ‘mini-stroke’ because of its similar symptoms, and the early warning signs. TIA can lead to stroke in some cases where there are no changes in lifestyle or if ignored.

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