We help you get life insurance if you’ve had a mini-stroke.
There are companies that specialize in high-risk life insurance that know how to underwrite mini-strokes.
Mini Stroke Overview
With a mini-stroke (TIA), life insurance underwriting will be based on the underlying cause if known.
A transient ischemic attack is caused by a blockage or clot in your brain, usually only lasting a few minutes.
Do you have an underlying heart condition such as atrial fibrillation, valve disease, heart attack history, or atherosclerotic disease?
Mini-Stroke Underwriting
Age 55 seems to be the magic age as far as how underwriting will treat you.
If you were age 55 or older at the time of your TIA, life insurance underwriting tends to be more favorable than if you had one prior to age 55.
It’s common for life insurance companies to postpone offering coverage to you for 4-6 months after your TIA.
4-6 months After a Mini Stroke
- Age 55 and Over – Standard rates plus an additional 50 – 75% increase over standard life rates.
- Under Age 55 – Standard rates plus an additional 50% increase over standard life rates.
1 Year After a Mini Stroke
- Age 55 and Over – Possible standard life rates.
- Under Age 55 – Possible standard life rates.
5 Years After a Mini Stroke
- Age 55+ – Standard Plus Life Rates may be available.
- Under Age 55 – Standard Plus life insurance rates.
After 10 years, it may even be possible to qualify for preferred non-smoker life insurance rates.
Still Smoking After a Mini Stroke?
If you still smoke after having a TIA, companies will charge you a lot more for life insurance, or will simply decline you.
The mortality risk is too great for most companies to consider.
Underwriting will typically add an additional 25-50% rating for continued smoking.
The best way to find life insurance after a TIA is to let us shop your information out to multiple life insurance companies.
It only takes a few days for us to receive feedback from the companies and to provide you with accurate life insurance quotes.
Conclusion
At RiskQuoter, our high-risk life insurance experts will help you find your best life insurance rate.
Keep in mind that there is never any pressure or obligation with our life insurance service.
We’ll give you the information you need to make an informed decision about your life insurance.
Michael J. Horbal
Owner of RiskQuoter
Too many people overpay for life insurance because they end up with the wrong life insurance company, agent, or both. That’s why I started RiskQuoter – To help you get the best life insurance rates available.
As an independent insurance agent, I’m licensed in all 50 states and the District of Columbia and offer 40+ life insurance companies to ensure you get your best rate!
By Michael Horbal – updated on – 10/25/2022