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Can a Stroke Impair You From Getting Life Insurance?

By Byron Udell | March 10, 2016

Can you still get life insurance if you survived a stroke? It depends on many factors. To find out more, read on.

Did you know that jellyfish, sponges and starfish don’t have a brain? Sad, but true. (But then again, where would they put it?) Thank goodness the rest of us non-aquarium residents do possess one. The human brain has 15-33 billion (that’s with a “b”) neurons. But with that much electrical wiring, the chances of something shorting out is an all-too-common occurrence. The most typical maladies that affect the brain are: strokes, aneurysms and seizures.

Strokes are the leading cause of adult disability in the U.S., according to the National Stroke Association. In technical terms, a stroke or TIA (Transient Ischemic Attack or “mini-stroke) is caused by a lack of blood flow to the brain. Blood carries oxygen, which is what keeps brain cells healthy. When these cells are deprived of oxygen, they wither and die. A stroke can affect memory and contribute to a decrease in muscle control. The severity of a stroke depends on how much of the brain was damaged.

According to the National Institute of Health, aneurysms are caused by the abnormal widening of an artery due to a weakness in the wall of a blood vessel. The Brain Aneurysm Foundation says that 50% of brain aneurysm victims are under age 50 – with four out of seven suffering with some form of disability. (That’s certainly something to think about, right?)

The Mayo Clinic says epileptic seizures are caused by abnormal activity in brain cells. A stroke, head injury or family history are major risk factors for these types of seizures. Two common types are tonic seizures (formally known as grand mal seizures), which occur most often in children, and absence seizures (formally known as petit mal seizures), which stiffens muscles and can cause frequent falls.

If you have been affected with one of these afflictions, you’ve probably asked yourself the following question: “Can still get life insurance that I can afford?” The answer is a resounding “Well, maybe.” (That’s not a dodge. We just need more information.) Each of these conditions has its own particular set of health concerns that need to be addressed before moving forward. But the good news is…many people have been able to qualify for life insurance, even after a stroke, aneurysm or seizures. (Are you smiling yet?)

To find out more about this topic, watch this short, informative video. Howard Weissman, AccuQuote’s Medical Underwriting Expert, will tell you more about your life insurance options regarding these brain-centric conditions.

Everyone who has ANYONE depending on them financially needs life insurance. It’s a very affordable way to ensure that your family’s financial future is protected when you die. And last time we checked, the odds of death are still 1 out of ONE. (And my guess is that if you’ve had a stroke or an aneurysm, you now know firsthand how life can throw you unexpected curveballs.)

Questions? Feel free to reach out to us. As long as it’s during our business hours, you’ll speak with a real live person! (I’m not kidding!) We’re here to help. Do it for YOU. Do it for your family. Now that’s using your head! (Beats being a sponge, am I right?)

We only work with highly rated insurance companies – brand names you trust. You may be able to save money without sacrificing quality and strength.