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October 9, 2009 / Author: Tim Bain

Life Insurance Underwriting Criteria – TIA

QuickQuote Term Life Insurance Blog

Life insurance companies use a host of criteria to determine the risk associated with individual applicants for life insurance policies. Through a process called underwriting, a company evaluates factors such as age, current health, medical history, etc. to place applicants within specific risk classifications. These risk classifications are then used to determine the coverage and premium offer the life insurance company will make on each application.

Medical history plays a major role in determining risk classifications, for obvious reasons. What some consider to be a minor health problem may indeed be considered a major concern by a life insurance company.

One example we sometimes see is a Transient Ischemic Attack or TIA for short. A TIA has symptoms very similar to a stroke; however, the symptoms typically last for only a short period. Thus many people do not treat them seriously or even seek treatment at all. In fact, a recent study published in the journal Stroke shows only one out of ten people with TIA symptoms sought emergency treatment.

TIA’s are often referred to as ‘mini-strokes, ‘ and their symptoms may include:

  • Confusion
  • Dizziness
  • Numbness
  • Impaired Speech
  • Impaired Sight
  • Impaired Coordination
  • Severe Headaches

According to the American Heart Association, approximately 33 percent of people who suffer a TIA will also suffer a stroke at some time in their lives. For that reason, life insurance companies consider medical history of TIA to be very serious.

If you have specific questions about TIA, medical history or any other underwriting criteria, please ask one of our licensed Account Managers here at QuickQuote.

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Tim Bain

Tim is a licensed life insurance agent with 22 years of experience helping people protect their families and businesses with term life insurance. He writes and creates stuff for QuickQuote and other insurance and financial websites. You can find him on Twitter.

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Applications for life insurance on QuickQuote.com are made through QuickQuote Financial, Inc. or through its designated agent, Timothy S. Bain, only where licensed and appointed. License numbers are available here and are automatically provided where required by law. QuickQuote's National Producer Number is 1927227. Timothy S. Bain is a licensed life insurance agent in 49 states, including the District of Columbia, and his resident state of Nevada. Timothy S. Bain's Nevada license number is 45949; in California, 0D23811; in Louisiana, 274924; in Massachusetts, 1762164; in Minnesota, 20267005; in Texas, 1092088; and in Utah, 134031.
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