If you have suffered from a cerebral embolism in the past, and are now searching for life insurance after cerebral embolism we are here to help you evaluate your options. Life insurance after cerebral embolism can come with many restrictions, but through proper planning you can still achieve affordable life insurance. If you can answer some specific questions regarding your history of having a cerebral embolism we will be able to give you a better idea of premiums you can expect for life insurance after cerebral embolism.
The purpose of this post will be to describe the complications surrounding a cerebral embolism, how life insurance carriers categorize a cerebral embolism for underwriting purposes, and the first steps to take in order to find affordable options in the life insurance market. Searching for life insurance with any medical past can be frustrating which is why we specialize in helping “high risk” individual purchase life insurance at affordable rates, even with the nation’s largest carriers.
What Is A Cerebral Embolism?
Any embolism is the quick blocking of a specific artery by a specific clot, or another foreign object which came through the blood stream. A cerebral embolism more specifically is this situation occurring in the cerebral artery. A greater risk to someone is not just the cerebral embolism but the risk of a more serious issue as a result.
When you look at the most frequent reasons why someone suffers from stroke, TIA, or heart attack it can often times be traced back to cerebral embolism. This where the greatest issues exist if you have suffered from more than one cerebral embolism as it could point toward a higher risk for one of these serious issues which are hard to insure.
Affordable Life Insurance After Cerebral Embolism
The first thing to understand is if you have suffered a cerebral embolism you most likely will be considered to be insurable with traditional life insurance. This type of life insurance does require a medical exam, but it does keep premiums more affordable than a guaranteed issue life insurance policy.
The single biggest factor which life insurance carriers are looking at when it comes to life insurance after cerebral embolism is how many episodes you have had. This includes episodes in which you suffered brain occlusion. The next determining factor is how you fared after the brain occlusion, and if you had any complications within a year after the episode.
If you have had only one episode with any further episodes or complications you would most likely to be able to receive a Table 2 rating without any further health concerns. For those who have suffered more than one episode you would most likely be rated in the Table 4-6 range as long as no organs or brain damage was a result of the episode. Severe cases which include multiple episodes or organ damage may declined for traditional life insurance. For those people affected to this degree we would be able to provide some guaranteed acceptance life insurance solutions.
Before beginning the underwriting process we will ask you a series of questions in order to get a better idea of which rating and policy will suit you best. Some of these questions may include:
- Date of which you were diagnosed with a cerebral embolism?
- Which medications are you prescribed?
- Do you have a history of TIA, stroke, or heart attack?
- Last checkup with doctor? Result?
- Any other medical conditions, surgeries, concerns?
How you answer these questions will help us relay this information to company underwriters. Upon gathering their responses, we will be able to give you the most accurate quote available. If we don’t think it is something we can cover with traditional life insurance, then we can help you navigate the guaranteed issue life insurance marketplace.We have access to over 50 life insurance carriers from niche carriers to access to the biggest names in industry.
Most importantly, we only work with highly rated insurance companies. We do not work for the insurance companies, we work for you. This allows us to have your best interest in mind throughout the entire life insurance transaction. If you, or a loved one, have questions regarding how a cerebral embolism may affect your ability to get life insurance, and what premiums you can expect to pay, please reach out to us, or access our free quote form on this page.