Like most pre-existing medical conditions, once a life insurance company learns that you’ve suffered from a transient ischemic attack, things can begin to get a bit complicated. Especially if your applying for a traditional term or whole life insurance policy vs a guaranteed life insurance policy.
But that doesn’t…
Meant that you’re not going to be able to qualify of coverage, it just means that you’re going to need to be a bit more careful in determining which life insurance companies you’re going to want to consider applying for coverage with.
Not all life insurance companies are going to consider folks who have suffered from a transient ischemic attack the same. Which means that you’re going to want to be certain that your insurance agent is not only familiar with your condition, you also want to make sure that they have access to plenty of different insurance companies when trying to determine “which” life insurance company is going to be the best for you!
And we here…
At InsuranceBrokers can help with that because not only do our agents have a ton of experience helping folks with pre-existing medical conditions find great life insurance policies that they can qualify for, they also have access to dozens of different life insurance companies to choose from.
All in an effort…
To help you find the best life insurance policy that you can qualify for. Now how do we do this? It’s simple, first we find out what you’re looking to “achieve” by purchasing your life insurance policy and then match your goals, and current health status with the company that we best “feel” will give you the greatest opportunity for success.
Now with that said…
Let’s just take a minute and discuss exactly what at transient ischemic attack is and explain why insurance companies are so concerned about them.
What is a Transient Ischemic Attack?
Another name for transient ischemic attack is probably one you’re more familiar with: mini-stroke. A mini-stroke or TIA is when the blood supply to the brain is cut off very briefly. A regular stroke is when it’s cut off for longer.
When the blood to the brain is cut off, a lot of things will happen all at once. Remember, constant blood flow is absolutely necessary for every organ in the body to function properly – including the brain. So, when blood stops flowing to the brain, it impacts a lot of things, including:
- Eyesight – trouble seeing
- Balance – unable to maintain balance; coordination impaired
- Slurred speech
- Body weakness or numbness, usually on one side
Prognosis for a Transient Ischemic Attack.
If a person does have a TIA, then yes, it is very possible to have another, possibly larger stroke.
Your doctor will probably recommend some medications that will reduce the risk of another stroke. He/she may also encourage you to adopt a healthier lifestyle – no smoking, eating healthy and so on.
Getting Life Insurance.
Though having a minor stroke will probably give you quite the scare, the good news is that it will not have a huge impact on your life insurance – not necessarily.
No Symptoms – If you have no further symptoms or complications after your minor stroke, and you have been in the clear for more than a few years, then you may even qualify for a preferred rate.
Qualifying for a preferred rate depends on a lot of things. A TIA is just the beginning! You must have a clear medical record, be healthy, and have a healthy lifestyle!
Any minor complications, further symptoms, or a more recent TIA
These things can push your rate down a bit. Anyone with these things can fall in the very broad category of getting underwritten for a policy that is rated as standard all the way down to Table H.
What impacts the rate?
In addition to your current health state as it related to your TIA, other things will impact your rate as mentioned. This includes:
- Cholesterol levels
- Blood Pressure
- Family medical history
- Personal medical history
These are all things that can change your life insurance rate.
Finding the Best Life Insurance Rate.
The interesting (and complicated!) thing about life insurance ratings, is that one life insurance company may consider you as a Table H and another a Table C or even higher. But…the life insurance company that gave you a Table H, may give your friend a better life insurance rate than the company that gave you a Table C. So…the trick to finding the most affordable life insurance is not finding the most affordable life insurance company…but finding the most affordable life insurance company for YOU.
It’s impossible to give a blanket life insurance company recommendation or endorsement.
Because if we say in an article that “this life insurance company is best for people who have suffered a minor stroke” we’d be right some of the time…but not all the time!
InsuranceBrokersUSA specializes in making personalized life insurance recommendations. We work with life insurance seekers to help them find the very best life insurance for them.
If two people approach us for life insurance…
Chances are we will recommend two very different life insurance companies and policies – because the two people are very different!
Whether you have had a transient ischemic attack or a full-blown stroke, we will do what it takes to find you a life insurance policy that offers you fair and affordable coverage. Our job is to help you minimize worries about tomorrow so that you can live a full life today!
So call us now and get a free life insurance consultation.