Can I get life insurance if I’ve had a stroke?

I’ve recently suffered a stroke and it’s made me think about taking out a life insurance plan to pay off the mortgage if i’m to suffer another one and the worst happens. Would any insurance companies let me apply?

Question asked by Andrew Richardson
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Answered by Samantha Haffenden-Angear

Information the insurers will require to make a decision on your application

The good news is that life insurance is available for stroke sufferers; however it will all depend on a number of factors. Your eligibility will initially depend on how recent the stroke was and your age. Regrettably if the stroke was within 6 months prior to applying, cover will usually be postponed until at least 6 months has passed.

The secondary factors the insurance company will take into consideration are:

  • The severity of the stroke?
  • The number of occurrences?
  • The treatment that you have undergone?
  • If you are still having treatment and tests
  • Your height and weight?

Given the seriousness of a stroke, the insurer will write to your GP to obtain full medical information and would want to establish that you have recovered with no residual symptoms.

Based on these details there is a good chance an insurer will offer life cover, but any offer would come with an increased premium charged.

Drewberry can help…

If you pop us a call we can research which insurer is likely to offer you cover and on what terms.

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This information does not constitute financial or other professional advice. You should consult your professional adviser or contact us directly on 02084327333 should you require financial advice. It is important to ensure any insurance policy you take out is suitable for your needs.
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Neil
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Victoria
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