Transient ischaemic attack (TIA) Life Insurance, Critical Illness Cover And Income Protection
A mini-stroke, or Transient ischaemic attack (TIA) happens when blood supply to the brain is disrupted. This results in a lack of oxygen being delivered to the brain. A TIA can cause symptoms to occur that are similar to a stroke, such as difficulty speaking, weakness in the arms and a fallen face. A TIA however lasts for a shorter duration in comparison to a stroke. A TIA is usually caused by a blood clot that has formed somewhere else in the body, and which has spread to the blood vessels that supply oxygen to the brain. Several factors can increase the chances of a person experiencing a TIA. These include being a smoker, being overweight, having diabetes or high cholesterol, drinking heavily and heaving an irregular heartbeat. Those over the age of 60 are also at an increased risk of having a TIA.
The main symptoms of a Transient ischaemic attack (TIA) include:
- The face falling on one side. In this case, a person may not be able to raise one side of the face or smile.
- Weakness and an ability to raise the arms. They may also be suffering from numbness in the arms.
- Slurred speech, or difficulty in speaking
Successful treatment following a TIA depends on how quickly the person having the attack seeks professional medical treatment. They will require medical treatment to prevent a future stroke from occurring. A hospital will give advice on lifestyle changes to minimise the risk of stroke. In some cases, you may be put on a course of medication, or require surgery to unblock the affected arteries. Having a TIA means that you are at a greater risk of having an actual stroke at some point in the future. There are several lifestyle adjustments you can make to minimise the risk. This includes:
- Cutting back on alcohol
- Losing weight to a healthy BMI
- Frequent exercise
- Drinking less alcohol
- Cutting out smoking
How Transient ischaemic attack (TIA) life insurance, critical illness cover and income protection works:
The following are the main conditions for underwriting an application for Transient ischaemic attack (TIA) life insurance:
- When you experienced your last mini-stroke or Transient ischaemic attack (TIA)
- The cause of the mini-stroke or TIA
- Your general health and lifestyle
- Medications currently being taken
- Any other underlying health conditions
- Your family's medical history
The Insurance Surgery is a leading mini-stroke or Transient ischaemic attack (TIA) life insurance specialist. We understand that every client's circumstances are unique, and help them to identify the best life insurance providers and cover plans for their needs. Fill in one of our simple online forms for a free no-obligation quote for life insurance.
Transient ischaemic attack (TIA) life insurance
Underwriting for TIA life insurance will depend on the following factors. Insurers may ask you for more details on the following:
- What caused the TIA to occur
- Your age
- The date your TIA occurred
- The number of episodes you have had
- Whether there is any lasting neurological damage
- Medications prescribed
- Hospital treatment received
- Your family's medical history
- Your test results
- Your exercise/activity levels
An insurer will want to check the severity of your condition to estimate the risk of you developing another stroke in the future. It is likely that they will request access to details of medications you are taking, the date of your initial diagnosis, and details of any other medical-related complications. It is common for many people to be offered life insurance on standard terms if they have suffered a TIA but have no reoccurring symptoms. If however you are still suffering from complications, you may be offered cover with higher premiums. At The Insurance Surgery, we have helped many people find the right TIA life insurance cover for their needs.
Transient ischaemic attack (TIA) critical illness cover
If you have experienced a TIA, critical illness cover could be available to you through some insurers, although this depends on your circumstances. It is likely that cardiovascular and stroke-related exclusions will be made to your policy. Cover will depend on whether you are able to manage your condition and if the TIA you suffered has greatly impacted your general health. Applications for critical illness cover can be stricter than applications for life insurance. An insurer may seek some form of medical confirmation from your GP, or access to your medical records. Contact us at The Insurance Surgery for more details and to be put in touch with insurers offering cover for your needs.
Transient ischaemic attack (TIA) income protection
It is possible to obtain cover for income protection through an insurer if you have experienced a TIA. Many insurers will query how many TIAs you have experienced, if these have occurred at work, and whether they have affected your ability to work. They will also want further details about your blood pressure, medications taken, lifestyle, cholesterol readings and more. It is very likely they will request a report from your GP.
Useful Links
- NHS Choices: https://www.nhs.uk/conditions/transient-ischaemic-attack-tia/ Stroke Association:
https://www.stroke.org.uk/what-is-stroke/types-of-stroke/transient-ischaemic-attack
The Insurance Surgery is a specialist life insurance expert for people who have experienced a mini- stroke or TIA. We have helped thousands of customers find the right cover for their personal circumstances, and can point you in the right direction of leading insurers offering the best cover to meet your requirements.
Case Study 1
- Client: Female
- Age: 59
- Smoker status: Non-smoker
- Medical condition: TIA and basal cell carcinoma (BCC)
- Cover date: 23rd September 2019
- Product type: Level life insurance
- Cover amount: £60,000
- Cover term: 7 years
- Premium: £22.37
We were approached by this lady on the 16th September 2019 when she completed an enquiry on our site. She explained that she was looking for £60,000 of cover for 7 years to cover the remainder of her mortgage. Our advisor Sam C then called her to further discuss her life insurance needs and her pre-existing medical conditions.
The lady then explained that she has previously had a TIA and has suffered from basal cell carcinoma (BCC). Sam C took further details regarding her medical conditions and the lady disclosed that she had her TIA in 1997 and has been fully recovered from BCC for 10 months. Due to the fact that she is fully recovered from BCC, and the fact that her TIA was over 20 years ago, Sam C was able to apply her to one of our main providers and secure her £60,000 of cover for a 7 year period for a monthly premium of £22.37, on the 23rd September 2019. This application would normally have needed a GP report and would therefore have taken a lot longer for it to have been completed, however the lady had a letter from her GP confirming her health which meant that the insurers could bypass the GP report and speed up her application. Overall, this is a great result as it was completed much faster than expected and for a great premium considering her pre-existing medical and her age.
Overall, we are delighted with the result as she now has the cover that she previously may have struggled to get, and her and her family can have peace of mind that everything will be looked after if she was to pass away before paying off her mortgage.
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