Stroke (CVA)

Life Insurance after Stroke(s)


Life Insurance is often available after a Stroke.

If you suffered a Transient Ischaemic Attack, please read our specific details.

Having a stroke or multiple strokes presents increased risk to longevity and more so if other conditions are present and so Life Insurance premiums will be higher for most people.

However cover is often available with Mainstream insurers if your stroke was mild with minimal complications.

If your have been declined for cover by mainstream insurers or your stroke was more severe or you have had multiple strokes or suffer any permanent symptoms or complications, then Pulse may be able to help you find cover.

Your age when you had your first stroke will be a significant factor in the availability and cost of cover, we will discuss this with you when you enquire.


Conditions which may increase the risk of Stroke(s)

There are some conditions which can increase the risk of stroke.  Equally, it is not always the case that these multiple conditions go hand in hand.

In all cases, you have multiple conditions whether directly related or caused by your other condition, please ensure you tell us about all of them. In some cases, you may find it easier to complete each of our specific enquiry questions for each condition. Or you may prefer to detail everything at once when answering your primary condition questions. 

To complete multiple conditions, select your first condition and when that is complete, you will have the option to add more one at a time till you are ready.

The following conditions are known to impact Stroke sufferers:-

If you suffer from any other condition not listed, please ensure you tell us about it in your enquiry.

If you are at all unsure how to proceed, please to not hesitate to give our friendly Pulse Team a call on 01280 841430.


Why Pulse Insurance?

  • Pulse Insurance have been focused on finding unusual cover since 1998
  • We strive to offer a caring and sensitive service
  • We are knowledgeable insurance professionals who work as a team
  • We provide a personal service to guide you through
  • If we cannot help, it will not be for the want of trying or know-how

While finding cover for everyone is not always possible and the premium will be higher to reflect increased risk, we like to think we are good at helping people find the cover they need.

In 95% of Stroke cases we can offer indicative premiums and/or sense of if cover may be available or not early on; so, you can decide to proceed or not.


Being Transparent

It is always important to declare your Stroke and any other medical conditions completely.


Your Personal & Medical Details

Everything you disclose about your Stroke to any life insurer or life agent should be treated with sensitivity and appropriate levels of privacy.


Requirements for more information

Occasionally our initial enquiry may not gather enough information to make a definitive decision, our insurers may ask for more in depth information regarding your Stroke and/or any other conditions. Sometimes the details you can provide may allow them to reduce the premium they seek.

As you have a medical condition, it is possible that underwriters will need to seek a Doctor’s report or for you to undergo medical examinations, blood tests or other tests that will confirm your health to allow them to quote an accurate premium and confirm cover details. The costs involved in obtaining the medical information are usually paid by the underwriter, but if not, you will be informed before they are requested.

Pulse will never sell your details to anyone. We will use your details to provide the service you have asked for according to the permissions you grant us– read our Privacy and Data Protection policy in full.


Medical Reports

If you have any recent or relevant medical reports, these can enable underwriters to provide a more accurate indication. 
Please send these either to [email protected] or post them to us
n.b. Do not worry if you don’t have any medical reports as they are not usually needed to give an indication of cover / cost.
It may be necessary anyway for separate specific medical reports to be sought if you decide to proceed with an application.
If you have any queries, please give a member of the team a call on 01280 841430.


Additional Covers

Pulse may be able to offer covers beyond everyday Life Insurance to give you the peace of mind and protection you desire.

The reasons you may need life cover may be simple or complex, but having the right cover brings peace of mind for you and your family.

Make an enquiry