How to Get Life Insurance After a Stroke

Finding life insurance after a stroke is not impossible, and there are many things you can do to keep your life insurance rates affordable. Find out how to find the coverage you need at a reasonable price.

Ready to compare quick life insurance quotes?

Your life insurance quotes are always free.

secured lock Secured with SHA-256 Encryption

Schimri Yoyo is a financial advisor with active life and health insurance licenses in seven states. Born in Haiti. Reared in Brockton, MA. Matured in Philadelphia. Schimri is a proud graduate of Arcadia University, having earned both a Masters in Special Education and an MFA in Creative Writing from the castle-riddled campus in Glenside, PA. By personality and by profession, Schimri is an educator...

Full Bio →

Written by Schimri Yoyo
Licensed Agent & Financial Advisor Schimri Yoyo

Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

Full Bio →

Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: May 25, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance company and cannot guarantee quotes from any single company.

Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

Quick Facts

  • Getting life insurance after having a stroke does not always have to be expensive
  • Your life insurance rates will depend on how severe the stroke was and how you’re recovering
  • Investing in your therapy and rehabilitation will lower your rates

A stroke can be life-changing and often impacts many aspects of everyday life. One of those challenges is getting life insurance after a stroke.

Due to the health and life-expectancy risks associated with strokes, insurance companies may view you as a high risk for life insurance, making it more difficult to qualify and often resulting in more expensive rates.

However, your life insurance rates will depend on the severity of the stroke and your rate of recovery. What you invest in the recovery process can help mitigate the cost of life insurance after a stroke. Keep reading to learn how you can save money on life insurance for stroke victims.

How to Buy Life Insurance After a Stroke

If you’ve had a stroke, the life insurance company will require you to get a medical exam before offering you a policy. The exam records your physical details and post-stroke vitals, such as:

  • Height
  • Weight
  • Pulse
  • Blood pressure

In addition, it will cover details that go beyond your immediate health condition. For example:

  • Family history
  • Medical history
  • Lifestyle choices

These are the factors that insurance companies will use to determine if you still qualify for life insurance after a stroke.

Your life insurance quotes are always free.

secured lock Secured with SHA-256 Encryption

Does a stroke affect life insurance rates?

Although you may qualify, life insurance for those with medical conditions, including stroke survivors, often comes with increased rates. Unfortunately, there is not a straightforward increase since it depends on multiple factors, including the number of strokes you’ve had, the severity of the strokes, and the pace and extent of your recovery.

Your insurance company will also ask you about the following when determining your rates:

  • When your first stroke occurred
  • The diagnosed cause of stroke
  • Your age and lifestyle choices
  • Post-stroke medical records and lab test results
  • Treatment and recovery progress
  • Additional underlying medical conditions

While you can expect your rates to go up, getting life insurance after a stroke does not have to be expensive.

What can a stroke survivor do to get life insurance?

Insurance companies do business based on a risk-to-reward ratio — the less risk you present to the company, the lower your insurance rates will be.

If you’ve suffered a stroke, there is much that is out of your control. However, you can do the following to reduce your life insurance rates after a stroke:

  • Reduce the chance of additional strokes. According to Johns Hopkins, about a quarter of stroke victims suffer a second stroke, but sticking to a recovery plan by changing your habits and diet can reduce this risk.
  • Speed up recovery. Recovery takes time, but there are things you can do proactively to speed up your progress. For example, keep all your medical and therapy records up-to-date and available to your insurance provider.
  • Address contributing factors. There may be underlying health conditions that contribute to your susceptibility to strokes. Talk to your doctor about ways to address those conditions and reduce the risk of additional strokes.

While you may not be able to reverse a medical condition or change your medical history, the area where you can exercise control is in your recovery. Making good lifestyle choices, investing in recovery therapies, and sticking to any dietary restrictions can speed up your recovery and reduce health risks.

Life Insurance After a Stroke: The Bottom Line

As a stroke survivor, it will make it difficult to qualify for life insurance. Your rates will likely go up, and you may have to shop with high-risk life insurance companies to find appropriate coverage.

However, there is much you can do to reduce the expense. Invest in your recovery, keep good records, and maintain open communication with your doctor and life insurance agent.

Work at qualifying for life insurance first, even if quotes are a little high to begin with. Once you have a policy in force, you can work on your recovery, which can lead to lower life insurance rates.

Ready to compare quick life insurance quotes?

Your life insurance quotes are always free.

secured lock Secured with SHA-256 Encryption

QuickQuote is a BBB Accredited Business. BBB