Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 18, 2021

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The Brief

  • If you’ve suffered a full stroke or a mini-stroke, you can still purchase life insurance
  • If you want to buy traditional insurance, you should wait at least a year after your stroke to apply for a policy
  • Being prescribed common medications like Plavix and aspirin after a stroke should not affect your rates

If you’ve been unfortunate enough to suffer from a stroke, your mind may be racing with questions. “Can I get life insurance if I have had a stroke?” may be one of them, and you may be wondering if there are life insurance companies that are stroke=friendly.

While there’s no denying that it may be easier to find life insurance quotes from life insurance companies that aren’t stroke-friendly, you will be relieved to learn that you can still find affordable life insurance companies that are.

While getting health insurance after a stroke is another matter, if you are able to showcase the strength of your recovery, your application for life insurance has a good chance of being approved.

Life insurance for stroke patients can be found with the click of a button with today’s technology.

Read on to discover where you can find the best life insurance company for your needs, and enter your ZIP code to start comparing free quotes from life insurance companies that are stroke-friendly right away.

Which life insurance companies are best for people who have had a stroke?

After experiencing a stroke, you’ll need to recognize that you won’t be able to purchase life insurance from the first company that you see.

Instead, focus your efforts by investigating these four companies that are known for helping individuals who’ve had a stroke get insurance:

  • American General
  • Prudential
  • Principal Financial Group
  • North American Company

American General

If you’re worried about life insurance rates with life insurance companies that are stroke-friendly, look no further than American General.

American General has an A rating from A.M. Best and advertises that applicants could obtain a term life insurance policy for as little as $14 per month.

Such low rates could be particularly desirable if you find yourself needing some extra medical care after having a stroke.

Prudential

Another financially strong company, Prudential has earned an A+ from A.M. Best, and it can provide life insurance no matter where you live in the United States.

Every one of Prudential’s term life insurance policies includes a tax-free death benefit, but you can also purchase a universal life insurance policy through Prudential.

This comes with its own set of advantages, like accessible tax-deferred cash value and different interest-crediting options.

You could potentially purchase $250,000 in coverage for $15.53 per month as well, making Prudential an excellent choice if you are trying to stay within a budget.

Principal Financial Group

Principal has earned an A+ rating from A.M. Best and offers incredibly competitive rates for individuals who have medical conditions like:

  • Cancer
  • Asthma
  • Diabetes
  • Sleep apnea

Even better, you have a chance of purchasing a 20-year term policy that comes with $500,000 in coverage for only $20 per month.

North American Company

For over 120 years, the North American Company has been providing life insurance at incredibly cheap rates to its clients.

For example, you could obtain $100,000 in coverage for as low as $8.89 per month with this company. North American Company was also given an A+ rating by A.M. Best.

You can also add on additional benefits to your term life insurance, like an accelerated death benefit, a conversion option, or a children’s life insurance rider.

Conversion options are particularly nice to have because you have the choice to turn your term policy into a permanent policy when it reaches the end of its term.

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How can a stroke affect your insurance rates?

It’s vital that you are familiar with the process of applying for life insurance after having a stroke, even if you are going to buy life insurance from life insurance companies that are stroke-friendly.

Your preparation could increase your chances of being offered lower rates.

For example, you should first contact your doctor to confirm whether you have suffered a full stroke or a transient ischemic attack (TIA), commonly known as a mini-stroke.

Knowing the difference between these two events could have an enormous effect on your application for life insurance.

This is because a mini-stroke, while it presents the same way as a full stroke, doesn’t leave you with any lasting damage to your brain.

A full stroke, as explained by the American Heart Association, will usually produce permanent neurological damage, which will make the underwriting for your policy more difficult.

You should also prepare yourself to see higher rates on your quotes, as experiencing either a full stroke or a TIA increase your chances of suffering additional stroke problems, and your insurance company will take that into account.

An insurance company will assign you a risk level depending on how you answer any inquiries about your stroke.

Of course, since every insurance has its own guidelines, each questionnaire about your health will be a little different.

In general, most insurance companies will follow these rating guidelines:

  • Preferred Plus
  • Preferred
  • Standard
  • Substandard

Individuals who are rated Preferred Plus typically are extremely healthy and are offered the lowest rates available by an insurance company.

It is, unfortunately, not likely that someone who has suffered a stroke or even a mini-stroke would qualify for this rating class.

While the chances are quite low, it is not unheard of for a person who has experienced a mini-stroke to qualify for a Preferred rating, as long as said individual is found to be very healthy in all other respects.

Rates for individuals in this class are also very low.

Now, if you have had a stroke but are otherwise relatively healthy, it is much more likely that you will fall into the Standard rating category, which comes with acceptable rates.

In order to qualify for this rating, though, you must not have had another stroke in at least six years since your first stroke, and you cannot have any other health concerns either.

But if you only wait a year after experiencing a stroke or mini-stroke to purchase life insurance, it is highly likely that you will be categorized as a Substandard applicant.

The rates will be quite high for individuals who find themselves in this category.

Bear in mind that if you don’t wait a year to apply for life insurance after having a stroke, your application will most likely be denied.

If you’re itching to get a policy right away, you can apply for a guaranteed issue policy, which doesn’t require a medical exam.

What questions do insurance companies ask someone who has had a stroke?

When applying for a life insurance policy, you should be prepared to face questions regarding:

  • The date you experienced a stroke
  • If you experienced a full stroke or a mini-stroke
  • If you underwent any tests after your stroke
  • If you suffered any lasting neurological damage
  • The symptoms you experienced during the stroke
  • If you have any health issues like high cholesterol or hypertension that could cause another stroke
  • Any medications you are taking currently

It is important to note that medications like Plavix, statins, aspirin, and anticoagulants are common after a stroke, and if you are prescribed such medications, your rates should not be affected.

If you are approved to purchase life insurance from the company of your choice, your beneficiaries will receive a life insurance payout if you die after a stroke, as long as your policy’s waiting period has passed.

One of the most important things you must do when answering questions after your stroke is to be honest.

Make sure you have all the necessary information available, answer every question to the best of your ability, and above all, do not falsify any information.

While it may be tempting to massage the truth to get a better rate, if it is discovered that you provided false information, your insurance company could cancel your policy.

They could even refuse to pay out the policy’s death benefit to your beneficiaries.

Life Insurance Companies That Are Stroke-Friendly: The Bottom Line

As you can see, if you’ve had a stroke and need a life insurance company, life insurance companies that are stroke-friendly will provide you with your best chance to get insurance that can provide for your loved ones after you pass away.

Companies like Prudential and American General, along with others, can help you get coverage as long as you answer all questions openly and honestly.

It also may be in your best interest to wait at least a year after having a stroke to apply for a policy to increase your chances of getting lower rates.

Ready to find the best insurance company for you? Enter your ZIP code to get free quotes from life insurance companies that are stroke-friendly today.