Qualifying for life insurance after you suffered from a cerebral embolism or cerebral thrombosis can sometimes be a tricky proposition. The good news is that if…
- You’ve only suffered from a single episode,
- And you’re not experiencing any complications form that episode,
- And, it’s been over a year since your attack…
You should be eligible for a traditional term or whole life insurance policy.
That being said however…
If you’ve suffered from multiple cerebral emboli or you’re experiencing residual effects from your single episode, what you’re generally going to find is that most (if not all) life insurance companies are simply going to deny your application for a traditional term or whole life insurance policy.
For these individuals, they will either need to go without life insurance or they will need to pursue looking into some alternative life insurance products such as a guaranteed issue or simplified issue life insurance policy.
About Cerebral Embolism and/or Cerebral Thrombrosis.
A cerebral embolism is a term used to define a medical condition that occurs when the flow of blood to the brain is blocked. This blockage can be due to a variety of reasons ranging from air, fat or plaque buildup that has managed to enter into the circulatory system.
Cerebral emboli, while similar to other types of emboli found within the body, are considered a bit more dangerous in that they’re located within the brain itself. Fortunately, for those who are able to receive care early on during their “episode”, it is possible that no long term or permanent injuries can occur.
Symptoms associated with someone having a cerebral embolism (cerebral stroke) may include:
- A sudden and severe migraine.
- Nausea and/or vomiting.
- Stiffness in the neck.
- Difficult seeing properly.
- Light headedness.
- Weakness on one side of your body.
- Sudden confusion.
- Speech difficulty.
- Difficulty swallowing.
Severe cases can even lead to coma and/or death.
Now as you can see…
Suffering from a cerebral embolism can be a very serious event. This is why the insurance companies take them very seriously during the underwriting process, and why, they’re likely to ask you a series of questions designed to learn more about your what happened to you when you had your episode.
Questions you’ll likely be asked about your cerebral embolism/cerebral thrombosis:
- When did you suffer from your cerebral embolism?
- How many cerebral embolisms have you experienced?
- Did you go to the hospital? How long was your stay?
- Do you still suffer from any residual effects due to your cerebral emboli?
- Are you taking any prescription medications now?
- Have you been diagnosed with any other pre-existing medical conditions?
- Have you been diagnosed with pre-existing heart conditions or diabetes?
- Do you use any tobacco or nicotine products?
- Do you have any pre-existing vascular or hypercoagulable medical conditions?
- What is your current height and weight?
- Are you currently working now?
- In the past 12 months have you applied for or received any form of disability benefits?
From here, the insurance companies (at us too) will typically have a pretty good idea about what “types” of life insurance policies you’ll generally be eligible for as well as what “health” class you may or may not qualify for.
We’ll also have a pretty good idea if the insurance companies are going to require an additional review or your medical records prior to making a decision on your life insurance application.
If this is required…
It shouldn’t necessarily be viewed as a “Bad” thing. In fact, a review or your actual medical records could be exactly what the underwriters need in order to justify your approval or justify providing you with a better rate than was originally quoted by your life insurance agent!
Some general guidelines, we like to follow…
As a general rule of thumb, what you’ll typically find is that for those who have only suffered a single episode and do not have any lingering complications from their attack, will usually qualify for what is called a Table Rate.
A table rate is a life insurance rate that falls just below a Standard or Normal rate and is typically reserved for “higher” risk applicants. In total, there are 10 different table rates one can potentially qualify for. The range from Table A (the best table rate) to Table J (the worst table rate).
The good news for those who have only suffered from a single cerebral embolism episode is that in “theory” they should be eligible for a Table A.
Now for those who have…
Experienced several cerebral emboli or are experiencing complications from their one and only cerebral emboli, it still may be possible to qualify for a traditional term or whole life insurance policy.
However, in most cases, unless their medical records indicate that they’ve fully recovered and aren’t likely to suffer from another emboli, they’ll need to pursue a guaranteed issue life insurance policy from among the top final expense and burial insurance companies.
Don’t be, because at the end of the day, to us here at InsuranceBrokersUSA, it doesn’t matter whether you had one cerebral embolism or you’ve had 10! We just want to help you find the best life insurance policy that you can qualify for!
This is why we’ve chosen to remain an independent life insurance brokerage that is able to work with dozens of different life insurance companies so that when we’re confronted with a more “challenging” life insurance application we don’t have to just hope that an insurance company is going to give us a great deal on your life insurance, we can make them compete for your business.
Now are we able to help everyone?
No, we’re not, but it’s not due to a lack of trying on our part! So, give us a call and see what we can do for you!