Life Insurance after a Cerebral Embolism.
In this article, we wanted to take a moment and try and answer some of the most common questions we get from folks applying for life insurance after having suffered from a Cerebral Embolism.
- Can I qualify for life insurance if I having suffered from a Cerebral Embolism?
- Why do life insurance companies care if I have suffered from a Cerebral Embolism?
- What kind of information will the insurance companies ask me or be interested in?
- What “rate” can I qualify for?
- What can I do to help ensure that I get the “best life insurance” for me?
So, without further ado, let’s dive right in!
Can I qualify for life insurance if I have suffered from a Cerebral Embolism?
Yes, individuals who have been diagnosed with a previous Cerebral Embolism can and often will be able to qualify for a traditional term or whole life insurance policy.
The problem is that most of the time, once an individual has been diagnosed with a previous Cerebral Embolism they will usually be considered a “higher-risk” applicant automatically.
Which means that…
Their life insurance application is likely to be more complicated than most and may include the need to submit one’s medical records prior to receiving a decision or an approval from a top rated life insurance company. It’s also why, applying for a no medical exam term life insurance policy might not be your best option!
Why do life insurance companies care if I have suffered from a Cerebral Embolism?
Most folks would certainly understand why a life insurance company would “care” if an individual has previously suffered form a Stroke or Cerebral Embolism. However, for “some” this experience may not have been too “severe” which is why they may lose perspective on “why” a life insurance company would still be very interested in these previous experiences.
For this reason…
We want to take a moment and just review exactly what it means to suffer from a Stroke or a Cerebral Embolism so that we can shed some light on exactly why a life insurance company is going “care” about the fact that you have suffered from one (or multiple) and what symptoms/complications will make them the most nervous!
Cerebral Embolism Defined:
A cerebral embolism is a term used to describe when a blood clot travels from somewhere within the body to the brain and then become lodged within a blood vessel supplying blood directly to the brain. As a result of this “blockage” some brain cells may suffer and even die, leading to a condition commonly referred to as a Stroke or a Cerebrovascular accident.
That may indicate someone has suffered from a cerebral embolism/stroke in the past or are currently suffering from a cerebral embolism may include:
- Difficulty speaking or understanding language,
- Partial paralysis of one’s face, arm or leg,
- Vision difficulties,
Many of these symptoms are easily recognizable, the problem is that every second counts when it comes to treating someone that is currently suffering from a cerebral embolism because the sooner that one is able to restore normal blood flow to the brain, the greater likelihood that less permanent damage will be done!
“Which brings us to an important point that we think we ought to mention.”
If you think you have a medical issue, don’t use the internet to try and diagnose yourself. After all, if you do and your correct, you’re still going to need to see the doctor, and if you’re wrong, the time you spend being you’re on doctor could really cause great harm to yourself!
Nobody here at IBUSA is medically trained and we’re certainly not doctors. All we ware is a bunch of life insurance agents who just happened to be really good at helping individual find and qualify for the life insurance that they’re looking for. So please don’t mistake any of the medical information that we talk about as medical advice because it’s not!
Trying to “prep” you for what it might be like to apply for a life insurance policy after you have been diagnosed with Cerebral Embolism… that’s it! Which brings us to our next topic which is…
What kind of information will the insurance companies ask me or be interested in?
Common questions that one will likely be asked may include:
- When were you first diagnosed with a Cerebral Embolism?
- Who diagnosed your Cerebral Embolism? A general practitioner or a specialist?
- What symptoms (if any) led to your diagnosis?
- What treatment options have you pursued with your doctor?
- How many Cerebral Emboli have you suffered from?
- Do you currently suffer from any residual affects due to your Cerebral Embolism?
- Have you been diagnosed with any other pre-existing medical conditions?
- Have you ever suffered from a heart attack?
- What is your current height and weight?
- In the past 2 years, have you been admitted into a hospital for any reason?
- In the past 12 months, have you used any tobacco or nicotine products?
- Are you currently working now?
- In the past 12 months, have you applied for or received any form of disability benefits?
What “rate” can I qualify for?
As you can see, there are a lot of factors that can come into play when trying to determine what kind of “rate” an individual might be able to qualify for once it has been determined that an applicant has suffered from a previous cerebral embolism. This is why, it’s pretty much impossible to know what kind of “rate” you might be able to qualify for without first speaking with you for a minute or two.
That said however…
There are a few “assumptions” that one can make that will generally hold true once it has been determined that an individual has been diagnosed with a previous cerebral embolism. For example, if it has been determined that you have actually suffered form multiple cerebral emboli and are currently suffering from a variety of complications as a result of these “attacks” it’s pretty safe to say that most life insurance companies aren’t going to be willing to approve your application. In cases like these, individuals will typically need to seek out an “alternative” product such as a guaranteed issue life insurance policy or an accidental death policy instead.
As for those…
Who may have only suffered from a single Cerebral Embolism and aren’t currently suffering from any kind of “significant” complications from this single attack, it’s quite possible that you may be able to qualify for a traditional life insurance policy, however it’s safe to say that you probably won’t be able to qualify for a Standard or Better rate.
The good news is…
That regardless of your situation, we here at IBUSA can help because we have tons of experience helping folks with all sorts of pre-existing medical conditions like yours and are committed to helping all of our clients find the “best” life insurance policy that they can qualify for. Which brings us to the last topic that we wanted to take a moment and discuss which is…
What can I do to help ensure that I get the “best life insurance” for me?
In our experience here at IBUSA, what we have found that usually the folks who seem to find the “best” life insurance policy for them are those that:
- Take their time reviewing their options.
- Ask a lot of questions.
And seek out those life insurance agents who not only have experience working with individuals who have been diagnosed with a wide variety of pre-existing medical conditions, but also have access to dozens of different life insurance companies so that when it comes time to helping a more “challenging” case, they don’t have to rely on a…
“One size fits all approach!”
The good news is that this is exactly what you’re going to find here at IBUSA!