How to Still Qualify for Life Insurance After a Stroke

Just because you have had a stroke doesn’t necessarily mean you will always be disqualified for an individual life insurance plan. Of course, Guaranteed Issue or Simplified Issue plans that include little to know medical plans will always be an option.

The underwriters will base their ruling on the following criteria:

  • Current age

  • Date of diagnosis and age of onset

  • Current symptoms/extent of neurological deficit

  • Cause of stroke

  • Treatment

  • Medication

  • Number of strokes

  • Smoking history

  • Whether or not you lead an active lifestyle

  • Blood pressure and cholesterol readings

  • Any concurrent serious impairment you may have

Make sure you submit all of your medical records with testimony from all of the doctors involved in your treatment. It is important you also record any lifestyle modifications and how active you are able to be. This will help get you on the fast track towards approval.

You also must keep in mind that you will not be able to apply until 12 months after your last stroke. Multiple strokes usually means a decline and the average price rating is between 150-200% if you are approved. Keep in mind that the more recent the stroke and the younger the applicant – the higher the rating.

If you like to obtain pricing for your own life insurance needs, visit our free online Instant Quote Page, or call us at 1-866-899-4849.

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  • L abe
    June 12, 2014 at 2:45 pm

    How much life insurance can I get if I had a stroke 9 years ago?

    • LSM Insurance
      June 12, 2014 at 3:52 pm

      Thanks that really depends on the type of stroke your current health and smoking status. You may want to consider a Simplified Issue policy or a Preliminary Life Insurance inquiry.

  • Faruk
    May 24, 2013 at 1:20 pm

    I’m looking for a policy for my client, He’s 65 and had a stroke 7 years ago what type of rating are we looking at.

    • LSM Insurance
      May 24, 2013 at 4:08 pm

      Thanks Faruk. Your client may be able to obtain life insurance with a rating of 100% to 200% meaning the they would 2 to 3 times the standard premium. But this would depend on theor build, smoking status, medications etc.

      You may want to consider a Simplified Issue policy as an alternative and than apply for a traditional policy. If he is declined it will lit his options.

  • LSM Insurance
    March 10, 2011 at 9:15 am

    Hi Kim,

    Thanks for the note. Unfortunately we only offer insurance to Canadian residents in Canada at the time of application.

    As a point of a Canadian with your Mother’s health history would qualify for a simplify issue policy (no medical tests but 3 to 12 health questions depending on the plan) The maximums with most carriers on these plans is $25,000 to $50,000 you can combine coverages with multiple carriers.


  • Kim
    March 9, 2011 at 9:24 pm


    I am seeking to purchase life insurance on behalf of my mother who suffered a stroke in December 2007. I have 3 questions:
    1. She has moved to Australia where I live but lives in her own home, can she still get insurance in the US considering she is a citizen of the US but resides in Australia?
    2. Will anyone insure her? She had a stroke, she is type 2 diabetic and is on medication for high blood pressure and thyroid problem.
    3. If Insurable, what re the options and how much does it cost? I want her to be insured for 500 to 1Mill. If that is not possible, advise me if anything is please.