Stroke & Cerebrovascular Disease

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A CVA is an interruption of the flow of blood to the brain for a period typically of more than 24 hours due to a blockage, clogged vessels or spasms.

A TIA is a relatively short interruption (a few minutes to a few hours) of the arterial blood supply to a portion of the brain. A TIA usually does not cause permanent neurological damage.

Either of the incidents described will cause an insurance company to underwrite most carefully to gain their opinion of adequate premium. If the TIA occurred in the past 6-months or the CVA (stroke) occurred in the past year, most insurance companies will not underwrite the risk.

Best Class:
It is not possible to accurately predict the classification without review of medical records. However, there is a range of premium guidelines for most histories from rejection to surcharges. The ultimate premium will depend the length of time from the episode and your current status.

Solutions:
1. Shop around as an insurance company may add a surcharge and surcharges vary from company to company.
2. Pay a surcharge for the risk. This may be unavoidable based on your history.

Note:
Term life insurance policies may not be available as companies may believe that only cash value plan will generate adequate premium for the contemplated risk.

Action:
Complete the Personalized Quote to begin the process to find the companies with the most liberal acceptance guidelines and lowest premiums for your status. If we cannot quote online, we will respond by email with the probable underwriting action and premium range within two business days.

Need Help?:
Make a no-obligation call to our quote desk to clarify you status before proceeding with the Personalized Quote or e-mail your question to us at info@choicequote.com

To speak with a licensed professional,

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