can you get life insurance after a stroke?

What Is a Stroke?

A stroke occurs when blood flow to part of the brain is interrupted or reduced, depriving brain tissue of oxygen and nutrients. There are three main types:

1. Ischemic Stroke – Caused by a blockage in an artery (most common).

2. Hemorrhagic Stroke – Caused by bleeding in the brain.

3. Transient Ischemic Attack (TIA) – Often called a “mini-stroke” with temporary symptoms.

Strokes vary widely in severity and long-term impact, making them a significant factor in life insurance underwriting.

Can You Get Life Insurance After a Stroke?

Yes, you can get life insurance after having a stroke, but:

• You may face higher premiums

• Coverage may be delayed for 6–12 months after the event

• Certain policies (like guaranteed issue or final expense) may be more accessible than traditional term life insurance

The severity, type, and time since the stroke are critical in determining eligibility and cost.

How Life Insurance Companies View Stroke Survivors

Insurers assess risk. A stroke signals elevated health risk, so underwriting teams will evaluate your:

• Age at the time of stroke

• Type of stroke (ischemic, hemorrhagic, or TIA)

• Severity and frequency

• Time since the stroke (the longer, the better)

• Recovery progress (residual symptoms, disabilities)

• Current medications

• Lifestyle factors (smoking, weight, diet, blood pressure)

• Medical follow-up (neurologist visits, imaging, therapy)

Your application might require:

• A medical exam

• Detailed physician’s statements

• Medical records from your neurologist

When Can You Apply for Life Insurance After a Stroke?

Typically:

• TIA or minor stroke: You may apply 6–12 months after the event, if you’re symptom-free.

• Major stroke: You may need to wait 12–24 months, especially if there are ongoing complications or risk of recurrence.

Insurers want to see a stable health history after your stroke. If your condition has improved, your chances of approval increase.

Types of Life Insurance Available After a Stroke

1. Term Life Insurance

• Affordable and provides coverage for a specific period (10–30 years)

• Harder to qualify for after a stroke, especially if it’s recent or severe

• Medical exams and full underwriting are usually required

Best for: Individuals who had a mild stroke or TIA, have recovered, and are otherwise healthy

2. Whole Life Insurance

• Permanent coverage with a cash value component

• More expensive than term life

• Available if your condition is well-managed

Best for: Those seeking lifelong coverage with the ability to build cash value

3. Guaranteed Issue Life Insurance

• No medical questions or exams

• Guaranteed approval for ages 50–80 (varies by provider)

• Smaller death benefits ($5,000–$25,000)

• Higher premiums and 2-year waiting period for full benefits

Best for: Individuals with severe health issues or recent strokes

4. Final Expense Insurance

• A type of whole life insurance designed to cover funeral costs and small debts

• Easier to qualify for than traditional policies

• Coverage typically ranges from $10,000–$50,000

Best for: Seniors with moderate to severe stroke history

How Much Will It Cost?

Premiums depend on:

• Time since your stroke

• Overall health and age

• Type and severity of stroke

• Smoking status

• Type of policy and coverage amount

Example Premium Range (age 60, 10-year term policy, $100,000):

• No stroke: $80/month

• Mild stroke (3 years ago): $120–$160/month

• Major stroke (1 year ago): Likely denied or rated very high

Guaranteed issue policies can cost $100–$300/month for just $10,000–$20,000 in coverage.

Tips to Improve Your Chances of Approval

1. Wait for Stability: If possible, delay your application until 12+ months after your stroke.

2. Follow Medical Advice: Attend follow-ups, take prescribed medication, and undergo rehab.

3. Stop Smoking: Tobacco use is a major red flag.

4. Manage Conditions: Control diabetes, blood pressure, and cholesterol.

5. Work with a Broker: Independent agents can access multiple insurers and find those with lenient underwriting.

6. Be Honest: Hiding stroke history will lead to denial or later claims issues.

7. Get a Medical Exam: If your health has improved, prove it with updated labs and physicals.

What If You’re Denied?

If you’re denied traditional life insurance:

• Guaranteed issue is your fallback

• Consider group life insurance through your employer or association

• Apply again in a year after more medical improvements

Some companies specialize in “high-risk” life insurance and can tailor policies for stroke survivors.

Best Life Insurance Companies for Stroke Survivors (2025)

These insurers are known for being stroke-friendly:

• Mutual of Omaha – Good final expense options

• AIG – Offers guaranteed issue with no medical exam

• Prudential – May consider mild stroke cases favorably

• Transamerica – Flexible underwriting

• Banner Life – Competitive term life for moderate risks

Always compare quotes and underwriting policies with a broker who understands stroke cases.

Conclusion

Yes, you can get life insurance after a stroke. The key is patience, transparency, and selecting the right type of policy for your health situation. While your options may be limited compared to someone with a clean bill of health, you still have choices. From guaranteed issue plans to fully underwritten policies, stroke survivors can secure coverage that protects their families and final expenses.

Take your time to shop wisely, consult a specialist broker if needed, and focus on maintaining your health. Your journey doesn’t end after a stroke—and neither should your peace of mind.