Finding the right company to apply with can be a difficult task if you have had previous health problems. At TermLife2Go, we focus on the various nuances of each high risk life insurance company in order to discover the specific niches each carrier represents. It is by aligning our clients with the company that best suits their need that we help our clients find the best life insurance rates after a cerebral embolism or thrombosis. Give us a call today to see what we can do for you!
Cerebral Embolism or Thrombosis and Life Insurance
Do you want to get approved for one of the different types of life insurance policies available, despite having a cerebral embolism? If so, TermLife2Go is here to help. There are some basic things you should know about applying for a life insurance policy with a major medical issue such as a cerebral embolism; educating yourself will increase your chances of being approved for a great life insurance plan at the lowest price possible. Taking two minutes of your time could save you hundreds of dollars!
Finding Life Insurance after a Cerebral Embolism or Thrombosis
What is a cerebral embolism and why do life insurance companies care about it?
Blood flows through every part of your body, including your brain. Whenever something such as fat, air, or plaque, blocks the flow of blood, it is known as an embolism. An embolism in your brain, or your cerebrum, is known as a cerebral embolism. Any time the flow of blood is disrupted in your body it can be dangerous, and possibly more so if it occurs in your brain.
A life insurance company’s job is to assess the risk of you dying a premature death prior to underwriting your policy. They take every one of your past and present medical issue into consideration prior to issuing you a life insurance policy. If you have had a cerebral embolism, a life insurance company will want to know about it!
What is a cerebral thrombosis?
A cerebral thrombosis is similar but different from an embolism. Embolism is when your blood clots anywhere in your circulatory system; i.e. veins, arteries and major organs. A cerebral thrombosis is a clot in your brain. Like an embolism, it disrupts the flow of blood and can be very dangerous, even deadly. Patients who are able to receive medical care early enough are usually given anticoagulants to break up the clot or may even have emergency surgery.
Full recovery for a cerebral embolism or a cerebral thrombosis is possible if it is spotted early enough. Though it can be an emergency, there are many cases where the patient does not display long term effects from the blockage or clot. However, a life insurance underwriter will further investigate your medical condition to assess your personal risk level.
What will happen when I apply for a life insurance policy after an embolism or thrombosis?
When you apply for a life insurance policy with a cerebral embolism or thrombosis, you will most likely be asked to undergo a physical examination. After the examination, the life insurance company will likely ask you for an interview. This helps them to gather other information about your medical state that may not have been revealed during the physical examination. To help you prepare for the interview so that you know what to expect, TermLife2Go has put together some sample questions. A life insurance company may ask you any or all of the following questions:
- When were you diagnosed with a cerebral embolism/thrombosis?
- What treatment were you given?
- Did you suffer a stroke?
- Did you undergo surgery?
- Did you take anticoagulants?
- Are you currently taking any medication?
- Have you experienced any complications such as with blood coagulation issues?
- Have you experienced chronic headaches in the last 1 year?
- Do you have any problems with your vision?
- How often do you get a check-up with a doctor?
- When was the last time you had an MRI or CT-Scan? Please share the results.
- Have you had more than one embolism/thrombosis? Please describe each event.
- Do you feel any other side effects?
These questions will help a life insurance company to determine your personal risk level. It is important to note that if you have only recently suffered from an embolism or thrombosis, it may be more difficult for you to get an affordable life insurance plan. The test of time can help a life insurance provider determine how well you are recovering. If you had your embolism/thrombosis more than a year ago, and you are relatively healthy, then you will have a better chance of receiving life insurance coverage.
For clients with a history of embolism or thrombosis who have suffered a stroke due to a blood clot, choosing burial life insurance from among the top final expense life insurance companies may be your best bet at getting covered.
What if I have been rejected a policy before?
If you have previously tried to apply for a life insurance policy with your embolism or thrombosis, but were rejected, then you may feel it’s a waste of time to try again. Well, you’re wrong! There are a lot of factors that go into obtaining a life insurance policy, and it is quite possible that you could still get underwritten for a policy now even if you were rejected earlier.
It’s important to understand that all life insurance companies are different. If you tried to apply for a life insurance policy through your auto insurance provider, then you may have been rejected because they don’t know how to handle complicated medical histories. It will work in your favor if you apply to a life insurance agency, such as TermLife2Go, that has experience working with clients who have had an embolism.
How do I know which life insurance company to try?
As a regular person not working in the life insurance industry, it may be overwhelming to decide on a life insurance company. It’s quite understandable; there are dozens and dozens of providers on the market, all of whom function in a very different manner. TermLife2Go is here to help you made sense of it all.
We are a third party organization designed to help you get the best life insurance policy at the most affordable price. We do this by learning about you, your lifestyle and your medical history. We take this information and make policy recommendations based on your personal situation. We can do this because we have extensive knowledge about dozens of the best life insurance companies in the US, including the best no exam companies, but we don’t work for any of them! We work for you and your best interests!
So, what are you waiting for? Give us a call today or visit our Term Life Insurance Quotes page and see what we can do for you!