Life Insurance for Stroke
Over 100 Carriers to Quote From. Here are a few of them!
At Diversified Insurance Brokers, we specialize in helping clients who have experienced a stroke find affordable life insurance from our network of over 100 top-rated carriers. With decades of experience in high-risk underwriting, we know how to present your medical history in the most favorable way to improve your chances of approval.
Life Insurance with Stroke History
If you’ve experienced a stroke, it doesn’t mean you’re uninsurable. At Diversified Insurance Brokers, we specialize in helping clients with serious health histories—like strokes—secure affordable, personalized coverage.
Speak with an expert who understands life insurance for individuals with stroke history.
How a Stroke Impacts Life Insurance
- Time Since Stroke: Many carriers prefer at least 6–12 months since the event before considering coverage.
- Type of Stroke: Ischemic strokes are often treated more favorably than hemorrhagic strokes.
- Current Health: Ongoing symptoms, rehabilitation progress, and other medical conditions affect approval.
- Medical Records: Underwriters review hospital reports, imaging, and follow-up care history.
Who This Coverage Is Best For
- Individuals fully recovered from a stroke.
- Those with minor residual effects but good overall health.
- Applicants previously declined due to stroke history.
- People seeking term, whole life, or final expense coverage despite past stroke.
What Improves Approval Chances
- Stable health for 1–2 years after the stroke.
- No additional cardiovascular events since the stroke.
- Adherence to prescribed medications and follow-up visits.
Typical Outcomes We See
- Minor, Well-Recovered Cases: Standard or mildly rated traditional coverage.
- Multiple Strokes or Severe Residual Effects: Graded or guaranteed issue coverage may be necessary for more severe stroke histories.
Why Work With Diversified Insurance Brokers
- Access to 100+ A-rated carriers: We know which companies are more flexible with stroke cases.
- Specialized underwriting knowledge: We’ve helped many stroke survivors secure affordable coverage.
- Confidential process: Your health details are always handled securely.
Example Case
A 60-year-old man with a mild ischemic stroke three years ago, no lingering issues, and well-controlled blood pressure was approved for a $250,000 15-year term policy at a standard rate—saving thousands compared to his previous quotes.
Get started today: Submit your stroke-related life insurance request.
FAQs: Life Insurance for Stroke
Can I get life insurance if I’ve had a stroke?
Yes. Having had a stroke doesn’t automatically disqualify you. Many carriers will consider applicants depending on the type of stroke, how much time has passed, recovery status, and overall health.
How does the type of stroke affect underwriting?
Ischemic strokes are generally viewed more favorably than hemorrhagic strokes. Carriers will examine the cause, severity, and whether any damage remains.
How long do I need to wait after a stroke before applying?
Many insurers prefer at least 6–12 months of stability after the event before considering coverage. The longer you’ve been healthy with no additional cardiovascular events, the better your chances.
What medical history will the insurer review?
Underwriters will want hospital reports, imaging studies, follow-ups, documentation of any residual effects, and information about medication, control of risk factors (blood pressure, etc.), and any other related cardiovascular history.
What kinds of outcomes can I expect based on recovery?
In cases with mild or well-recovered stroke, you may qualify for standard or mildly rated traditional coverage. If there are severe residual effects or multiple strokes, coverage may be limited or come through graded or guaranteed issue policies.
Do ongoing symptoms or disabilities lower favorable options?
Yes. Persistent deficits after stroke (weakness, speech issues, mobility limitations) tend to increase risk to the insurer, possibly leading to higher premiums or more restrictive product options.
Which policy types are available for those with a stroke history?
Term life, whole life, and final expense policies are often possible. The best options available depend on your health, recovery, and insurer flexibility.
What improves my chances of getting favorable treatment?
Showing stable health for 1-2 years after the stroke, no new cardiovascular events, consistent follow-ups and treatments, good control of risk factors (like blood pressure, cholesterol), and documentation of recovery all help.
What if I was previously declined because of my stroke?
A prior decline doesn’t mean all options are gone. Different carriers assess stroke risk differently. With improved health and strong medical documentation, you may find carriers willing to offer coverage now.
How long will underwriting take with a stroke history?
It depends on how much medical information needs to be collected and reviewed. If all recent reports, imaging, follow-ups, and recovery documentation are available, the process may be faster. More complex cases or severe residuals may take longer.
