If you or someone close to you has experienced a mini-stroke, you may be wondering what the impact is on your life insurance coverage. This blog post will explore the importance of final expense life insurance and its implications for those who have had a mini-stroke.
In most cases, if an individual has gone through rehabilitation and recovered from their stroke they can still obtain final expense life insurance, but some companies may offer this type of coverage only to those without pre-existing medical conditions.
So it is important that individuals question their agent about specific company guidelines as well as how long they must wait after having a stroke before being eligible for coverage again.
Let’s face it there are so many worries in the world right now. 2020 was an incredible year. Covid19 has forever changed all of us.
Our loved ones are the most important people in our lives. When we think about purchasing final expense insurance, we have a few things on our minds, will I qualify?
How do I go about obtaining a burial policy? And lastly, the desire to protect our loved ones from this financial burden.
My name is Lisamarie, one of the owners here. I am also the author of this article and I am here to put your mind at ease on many levels. Let’s begin!
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Can You Get Life Insurance After A Stroke
The Life Insurance Scoop After Mini Stroke
Can I Get Final Expense Insurance After A Mini-Stroke
Right off the bat, let us give you the best news now.
So if you’re looking for final expense insurance after a mini-stroke then let us say this, a lot of insurance companies are fine with it.
Although considered a pre-existing condition, a lot of final expense or burial insurance companies don’t really take mini-stroke seriously.
But don’t just apply to any insurance company for final expense insurance. You would want top-rated A+ insurance companies and we have access!
I recently had a stroke, can I get life insurance? Royal Neighbors of America is hands down the best choice in insurance carriers if you had a mini-stroke. You will get Day One Coverage! Royal Neighbors is a fantastic day one option as they do not ask about TIA’s or mini-strokes.
But wait! Other insurance companies take issue with a mini-stroke and will give you a hard time getting the best final expense insurance. Getting life insurance after a stroke may seem overwhelming.
This is why your agent will go over your health history with you to determine the best carrier for you.
As a matter of fact, to avoid them, call us today! Our final expense insurance specialists will get you the best deal for a mini-stroke final expense or burial insurance for you or a loved one at a low rate and immediate coverage.
Can I Get Life Insurance If I Had A Stroke
Why Do Final Expense Or Burial Insurance Companies Welcome
Is a TIA considered a stroke for life insurance?
Getting life insurance after a stroke, is this possible? It’s because mini-strokes or transient ischemic attack (TIA) is commonly non-life and doesn’t usually cause permanent damage to the victim’s brain or any impairments after experiencing a mini-stroke.
Listen to the signs, If you have high blood pressure that is not under control, this could lead to a stroke.
Studies show that people who experienced mini-strokes have a good chance to live longer (with a healthy lifestyle) than one might expect despite it being half-named “stroke.”
So the bottom line is, if you’re applying for final expense insurance after a mini-stroke, lead a healthy life, and did not get any serious impairment after a mini-stroke, you can easily be offered the best level insurance policy.
A Level type policy is the best, with low payment rates, immediate active insurance coverage with no waiting period, and added innovative features at no additional cost that are available from A+ insurance companies.
So, if you’re a mini-stroke applicant, don’t just apply from any insurance company. You want A+ insurance companies that have the best additional benefits!
We got your back on that so please do not hesitate to contact one of our final expense insurance specialists.
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Burial Insurance After Mini Stroke
Can ALL Mini-Stroke Applicants Be Sure That They Will Get The Lowest Costs And Immediate Coverage?
Like all important things in life, we cannot rely on certainty and all of us must impede frustrations.
Not all final expense insurance companies look at mini-stroke lightly, a lot of them will look at all aspects of your present health, medication and medical history, family illnesses, and your lifestyle.
Life insurance for stroke survivors in a combination with other health impairments can be a huge factor in the carrier that is best for you. Be transparent with your agent so they can best assist.
So if the insurance company you’re applying to has a strict policy for any small detail in any personal information that you submitted to them, they will most likely offer you insurance policies that have higher payment rates with 2 years minimum waiting time for a full death benefit…
Or worse, reject you or a loved one’s burial or final expense insurance application.
So it’s paramount that you consult with a burial or final expense insurance specialist that knows how insurance companies view your present condition as a mini-stroke applicant.
There are a lot of factors that will come into play and the best insurance specialist will know right away which insurance company will give you or your loved one the best possible burial or final expense insurance based on your current situation.
What To Prepare When Applying For Final Expense Insurance As A Mini-Stroke Applicant?
What will a life insurance company need to know if I have had a stroke?
- The date of your last mini-stroke was diagnosed
- Prescription medication history
- Any impairments that resulted from a mini-stroke
- History of family illness, especially diabetes, hypertension, heart disease, or brain tumor.
- Tobacco usage/history
- Any family history of stroke
Remember, having other illnesses such as type 1 diabetes will increase your risk of stroke.
How The Date Of Your Last Mini-Stroke Affects Your Final Expense Insurance Options
From here, this article will often mention insurance companies that are strict with mini-stroke applicants.
The truth about life insurance payout for stroke… When you family needs the financial protection the most!
Life insurance companies take into account the date of the applicant’s last mini-stroke and these are basically how they categorize applicants based on the date of an applicant’s stroke and their guidelines.
1) The applicant’s mini-stroke was within the last 12 months.
Applicants that fall into this category will be a high risk for most insurance companies. Most insurance companies will only offer final expense insurance policies with the HIGHEST payment rates with 2 years minimum WAITING PERIOD.
2) Applicant’s mini-stroke was within the last 12 months of a 24-month look back.
Applicants in this category will have better offers from insurance companies. The final expense insurance offers at this category will have better payment rates but still a minimum of 2 years waiting period for a full death benefit release.
3) The applicant’s mini-stroke was more than 24 months ago.
Applicants in this category are mostly offered the best final expense insurance which is a level policy with the lowest payment rates and with no waiting period- immediate active coverage.
Now, do you fall into the first and second categories?
Call our final expense insurance specialists to get the lowest price and possibly with no waiting time period for final expense insurance coverage from A+ insurance companies with same-day approval.
Prescription History Review
Basically, burial or final expense insurance companies review an applicant’s prescription history to discover any present disease or condition such as insulin for diabetes.
So now you’re applying for final expense insurance after a mini-stroke and you have submitted your prescription medication history.
If you applied to an insurance company that is very cautious with a mini-stroke, then medications used to treat a mini-stroke will be red-flagged- these are usually blood thinners.
Then, they will review how long have you been taking them by taking a look at the date when the prescription was first filled for cross-checking that you did not have any stroke incident in the past 24 months.
This is one of the ways how insurance company investigates your application.
Stroke Insurance Coverage
What Is The Best Final Expense Insurance For A Mini-Stroke Applicant
As long as mini-stroke applicants for final expense insurance do not have other unfavorable factors such as other serious illnesses or poor lifestyles.
Any insurance company will offer a low rate and immediate coverage insurance policy.
InsuranceForBurial.com Final Thoughts
Here at InsuranceForBurial.com, we know that you wouldn’t just want any insurance company. We know that you want the best!
Our team of final expense insurance specialists has over 26 years of experience in the investment and insurance industry.
Licensed in 49 states and has over 3 dozen top-rated A+ insurance companies to choose from.
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For more information about Mini-Strokes, CLICK HERE.
If you are considering final expense life insurance but have a mini-stroke, know what to expect. You should be aware that it may not just affect your health and cognitive functions in the future, but also how much money is available for your loved ones when you pass away.
Don’t let this information scare you off from getting coverage though! There’s an entire team of experts here at InsuranceForBurial.com who can help take care of all of these details for you so that everything will run smoothly if something unfortunate does happen.
Get a quote today by filling out our online form or giving us a call at 1-855-380-3300 (toll-free) and one of our friendly customer service representatives will get back to you.
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