Cut back on stroke meds by changing your lifestyle
The Heart and Stroke Foundation reports that Strokes are the third leading cause of death in Canada, with 14,000 Canadians dying every year, and of those more are women than men.
The most common type of stroke is an ischemic stroke, which takes place thanks to a blood clot in a vessel supplying blood to the brain. If you manage to survive the stroke’s devastating paralyzing effects, recovery is guaranteed to be a tough road.
But the good news is, 80 per cent of all strokes are preventable according to researchers from American universities. All it takes is a few simple lifestyle changes in the form of diet, exercise, BMI, blood pressure, blood sugar level, and cutting out smoking. In addition, your lack of vitamin D, stress levels, grounding, statin drug use, and hormone replacement therapy all play a role.
Luckily, there’s “Life’s Simple Seven Scale,” which was developed by The American Heart Association to help manage some of the lifestyle issues that create the risk factors for stroke. They are the following:
Get active
Control your cholesterol
Eat better
Manage your blood pressure
Lose weight
Reduce your blood sugar
Stop smoking
Even doing all of these things just a little bit can greatly reduce your risk according to reporting from NPR:
[The] scientists dug into a large study that tracked 30,239 people to see how much improvement it takes to prevent stroke… The good news is it doesn’t take much to make a difference.
Each risk factor for stroke was scored from 0 to 2, with 0 being crummy, 1 kind of OK, and 2 terrific. Even a one-point improvement in the total score across all seven factors significantly reduced stroke risk.
Each improvement of a point on the 14-point scale meant an 8 percent reduction in stroke. ‘The neat thing of this finding is that anything makes a difference… If you make a small change, you make an improvement,’ Lackland says. ‘If you make a bigger change, you make a bigger improvement.’
In addition to getting healthier and reducing your risk, you will also reduce the cost of your life insurance premiums. This is because the healthier you are, the less likely you are to receive a rating on your premiums, which can be between 30 and 50 per cent more with a rating added.
The underwriters will base their ruling on the following criteria:
Current age
Date of diagnosis and age of onset
Current symptoms or 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
The more you can get these lifestyle factors under control, the more likely you are to qualify without a decline or a rating. However, in the event you do have a stroke, remember that you won’t be able to apply for traditional life insurance until 12 months after your last stroke. Multiple strokes usually mean a decline, and the average price rating is between 150 and 200 per cent if you;re approved. Keep in mind that the more recent the stroke and the younger the applicant, the higher the rating.
I really appreciate all the hard work Andrew Burdi and LSM Insurance have done for me. I had been insured with a company for years and only recently learned it was term insurance, I had no idea what that meant.
Andrew took the time to visit me at my home at a time convenient to me. Together we called the head office of the company that held my existing insurance policy. We found that my premiums, which were 67 dollars a month for the last nine years, were going to go up in a year on my 80th birthday to 243 dollars per month. The following year the premiums were to rise up to 275 a month and the subsequent year the premiums were supposed to go up 310 dollars per month.
When I heard that, I was very disappointed and confused how this could happened to me.
I'm on a fixed income and I need this policy for my final expenses. I'm really glad that Andrew took the time to explain things to me. He researched the market place and was able to find me a reasonable priced plan - one where the premiums will never increase. This cost certainty is crucial for me given I am on fixed budget.
If anybody is considering purchasing personal insurance I would most definitely use LSM Insurance and ask for Andrew Burdi, because he really knows his stuff.
Thanks again for setting it straight for me Andrew, you are most appreciated.
Interested to protect better your loved ones and yourself?
"Are you interested in better protection for yourself and your loved ones? Get the expert insurance insights that my team has put together for you." - Chantal
