Life insurance after a stroke

Having a stroke can be devastating. But if you’ve survived one – as over 1.2 million people in the UK have – then you’ll be only too aware of how precious life is. You may have also found yourself increasingly worrying about what will happen to your loved ones should the worst happen, and starting to consider how you can help to protect them financially.   


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What is a stroke?

We’ve all seen the adverts about what to do if we see someone have a stroke – but what exactly is it? Well the first thing to know is that there are two types of stroke:

  • Ischaemic strokes which are caused by a blockage (such as a clot or narrowing of the blood vessels) which stops blood from getting to the brain.
  • Haemorrhagic strokes happen when a blood vessel in the brain or on the brain’s surface bursts – the force of the rupture means blood seeps into the brain tissue.

Anything that stops the brain working at tip top capacity is bad news and the after effects of a stroke can affect even the most basic abilities such as walking and talking.


How a stroke might affect your policy

Insurance is about probability – so the greater the probability of you making a claim then the more likely it is that your premium will be higher to reflect that risk So if you’ve had a serious illness or incident like a heart attack or stroke, then chances are your premium will be loaded (increased) to counteract the risk of a claim being made.

Insurance providers will assess your own unique circumstances in order to come up with a fair premium. So for example, if your stroke was severe or you’ve had multiple strokes then you’d probably pay more than someone who’d only had a mild incident several years ago.

Your insurance provider may also insist on adding a stroke exclusion into your policy. This means that if you die as a result of a stroke (or anything relating to a stroke) then they won’t have to pay out to your beneficiaries. It might seem unfair, but remember, insurance providers are all about minimising the risk of a claim.

Take heart from the fact that you do have options even after you’ve had a stroke – they may be limited and insurance providers may insist on exclusions, but you’re far from ‘uninsurable’.

What else might affect my policy?

When you’ve had a life changing health incident, what’s important is how you move on from that. While the causes of stroke can be hard to pin down, there are several ‘risk factors’ that potentially increase the chance of a stroke happening.

High blood pressure can contribute towards a stroke, and diabetes can double your chances. Smoking, drinking lots and having high cholesterol can also increase the risk. So when an insurance provider asks you questions about your lifestyle and overall health, what they’re hoping to find is that you actually take good care of yourself. Taking regular exercise, eating the right food and keeping treats as treats might sound dull, but it’s good advice for a reason (it’ll help you live longer).


What else should I consider?

If bad health has made you face up to your mortality and you want to make sure you and your family are taken care of, then you could also consider critical illness cover. Life insurance only pays out when you die, but critical illness cover could protect you if you became ill and have to give up work. It’s worth considering if your family relies on your income or if you’re self-employed. However, bear in mind that if you’ve already had a stroke, this may be excluded from your critical illness cover.

When you apply for any type of insurance, whether it’s critical illness cover or life insurance, you should always be honest. Not telling your insurance provider the whole truth (or failing to tell it altogether) means that your policy could end up as invalid. And the last thing your beneficiaries want to hear if the worst were to happen, is that your life insurance claim won’t be paid.

You might be asked to have a medical so that your insurance provider can accurately assess the state of your health so fibbing is pointless as they’ll probably find anything you didn’t disclose anyway. A medical shouldn’t be something to worry about and it’s not always necessary ; it’ll be carried out at the insurance provider’s expense and be done by a doctor or nurse.

Finding life insurance after stroke

We’re here to make life easier and to do that, we’ve come up with some plain talking, straightforward guides that will help you through the maze of life insurance options. So whether you’ve just become a new parent, are over 60 or want to make sure you leave something to cover funeral costs you can compare with us – we’re not one of the largest comparison sites in the UK for nothing you know.

Compare life insurance

Get a life insurance quote and start saving now

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