One way or another, the unfortunate consequence is the loss of one or several capacities in the patient. Depending on the location of the stroke within the brain, the affected ability may be vision, balance, speech, or muscle movement. Depending on the hemisphere where the stroke occurs, usually only the left or the right half of the patient's body is hit.
Statistically, a patient with stroke history is regarded as prone to suffering another one or to have a higher propensity to health problems. Despite the fact that in many cases the stroke patient is likely going to live his or her life without too many further serious health issues, they likely still need partial or constant attention and care from family or qualified professionals.
Does a stroke in one's health record alter one's insurability? Do you have to worry? Well, not too much.
A stroke has a definite impact on one's ease of buying insurance coverage. Ordinary cookie-cutter insurance plans may be suitable depending on the scale of the stroke. In such cases, insurers will need to know specific information about the patient's entire medical historyincluding the description of the stroke, the insured's age at the time of the stroke and any permanent cognitive or physical damage caused by the stroke and any related methods of treatment.
Any record of other related ailments of the applicant, namely diabetes or troubles with unhealthy levels of cholesterol, can impact a person's insurability. When a stroke is accompanied by a negative medical history, the patient is much less likely to qualify for traditional life insurance products.
Simplified Issue No Medical Life Insurance policies may also be an possibility for stroke survivors. Many simplified issue carriers including Canada Protection Plan and Assumption Life are ready to issue insurance coverage to stroke patients if indeed they have had the stroke longer ago than the span defined in the application form – typically somewhere around two or three years. It is crucial to look at simplified issue alternatives prior to applying for traditional life insurance policies. This is because should the insured be declined from traditional insurance first, she or he may suddenly lose eligibility for simplified issue insurance.
LSM Insurance's strong point is finding the best deals for hard-to-insure clients and clients with special conditions or lifestyle.