Quick answer · Stroke or TIA
Which life insurance fits someone after a stroke or TIA?
A single TIA years ago with no residual effects can qualify for simplified issue and sometimes fully underwritten coverage. A full stroke within the past year, or repeated events, typically routes to graded or guaranteed issue whole life.
Which coverage paths can you discuss with a licensed agent?
- 1
Simplified issue whole life
One event, well outside the look-back window, no lasting deficits.
- 2
Graded benefit whole life
An event inside the last two years or ongoing mild residual symptoms.
- 3
Guaranteed issue whole life
Recent stroke, multiple events, or significant impairment.
Which coverage limitations should you check?
Best-class term pricing is unrealistic within a few years of a documented stroke.
When can life insurance coverage start?
Most carriers care about the last 12 to 24 months more than anything older.
Frequently asked questions
This page is educational and is not an offer of insurance, a quote, or a guarantee of coverage. Underwriting decisions and product availability are set by each carrier and vary by state, age, and health history.