Getting life insurance after having a stroke is challenging, but usually can be done.
If the stroke has been over two years ago, there are a number of simplified issue policies that will offer coverage. If the stroke was within one or two years, guaranteed issue policies will cover stroke, if available in your state. Most of these types of policies have a minimum issue age of 40-50 years old. For simplified issue, you must be able to do ADL's indpendently; for guaranteed issue, you do not.
If the stroke was very mild and not repeat problems, some medically underwritten policies are available. Consult an agent or agency experienced in impaired risk life insurance to shop the policy for you.
Guaranteed and simplified issued may be available by several life insurance companies for depending how long ago the potential insured experienced a stroke and how severe it was. Depending upon the insured’s history and the severity of the stroke, fully underwritten policies may be an option to explore.
.JPG){kind=avatar}
If the stroke has been over two years ago, there are a number of simplified issue policies that will offer coverage. If the stroke was within one or two years, guaranteed issue policies will cover stroke, if available in your state. Most of these types of policies have a minimum issue age of 40-50 years old. For simplified issue, you must be able to do ADL's indpendently; for guaranteed issue, you do not.
If the stroke was very mild and not repeat problems, some medically underwritten policies are available. Consult an agent or agency experienced in impaired risk life insurance to shop the policy for you.