Independent General Agent, April Johnson, California
Life insurance is generally available to most people. Preconditions, including stroke, don't necessarily preclude someone from being insurable. First, you must understand that the issuance of life insurance is primarily dependent upon one's medical condition. So although you may be limited by the amount of coverage you can obtain you should still be eligible as long as your condition is being treated and you haven't been told by your physician that "death is imminent within the next 12 months". Second, you have to seek out insurers, like myself, who are more flexible with their insurance offerings. For instance, insurer's such as myself can often issue a policy without a medical exam.
If you have had one stroke that had minimal effects and several years have passed since having the stroke, you may be able to get a medically underwritten policy of any amount for which you financially qualify, with immediate death benefit.
If your stroke impacted your health enough that you needed to go on Disability but you are still able to do all your own activities of daily living and walk without personal assistance (can or walker is OK), then there are a number of simplified issue policies that may or not be graded, that you can get.
If your stroke caused you to require use of a wheelchair, home health or nursing home care (inability to do your own ADL's), or causes significant confusion, then guaranteed issue policies are available to most people. These are more restrictive in features than the other policies, but are available for final expense purposes.
Contact an impaired risk underwriting agency that carries all these types of policies and understands life insurance underwriting for stroke, and you will get your best price.
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If your stroke impacted your health enough that you needed to go on Disability but you are still able to do all your own activities of daily living and walk without personal assistance (can or walker is OK), then there are a number of simplified issue policies that may or not be graded, that you can get.
If your stroke caused you to require use of a wheelchair, home health or nursing home care (inability to do your own ADL's), or causes significant confusion, then guaranteed issue policies are available to most people. These are more restrictive in features than the other policies, but are available for final expense purposes.
Contact an impaired risk underwriting agency that carries all these types of policies and understands life insurance underwriting for stroke, and you will get your best price.