Can You Get Life Insurance After a Stroke?
Yes. Many stroke survivors can get life insurance, though there is typically a waiting period after the event and premiums will be higher than standard rates. The terms depend on the type of stroke, your recovery, and any ongoing effects.
How Insurers Assess Stroke History
- Type of stroke – Ischaemic stroke (blood clot) vs haemorrhagic stroke (bleed). TIAs (mini-strokes) are viewed more favourably
- Time since stroke – Most insurers require at least 6–12 months, with terms improving over 2–5 years
- Recovery – Full recovery with no lasting disability gets better terms
- Risk factors – Blood pressure, cholesterol, diabetes, smoking status
- Medication – Blood thinners, statins, antihypertensives
| Scenario | Typical Terms |
|---|---|
| TIA (mini-stroke), 12+ months ago | Moderate loading |
| Ischaemic stroke, full recovery, 2+ years | Significant loading |
| Haemorrhagic stroke, full recovery, 2+ years | Higher loading |
| Recent stroke (<6 months) | Usually deferred |
Use a specialist: Stroke underwriting varies enormously between insurers. Some providers are far more accommodating than others. A specialist broker can identify the best insurer for your specific circumstances and save you from unnecessary declines.
Frequently Asked Questions
Yes, usually after 6–12 months. Premiums will be higher. Use a specialist broker for the best terms.
Usually 6–12 months minimum. Terms improve over 2–5 years. TIAs may have shorter waits.