CVA - Disturbance of brain function caused by interruption of the blood supply to parts of the brain that causes permanent damage or death of brain tissue. May be due to bleeding (hemorrhagic stroke) or obstruction by a blood clot (thrombotic or embolic stroke).
Rating depends on the type of stroke, age at time of stroke, residual symptoms and co-existing disease such as diabetes, high blood pressure or coronary artery disease, among others. Generally uninsurable for one year after an episode. Thereafter, possible Table D with a flat extra of $5 or $7.50 per thousand during the four years following the event, depending on age at time of episode. At ages 75 and over at time of episode, possible Table C or D without a flat extra, depending on severity. More than one event is generally uninsurable.
TIA - Temporary disturbance in brain function caused by insufficient blood supply to parts of the brain. Brain function returns to normal within 24 hours.
Rating depends on the cause, age, the number of episodes, and co-existing disease. Generally uninsurable for six months after a single episode or one year after a recurrent episode. Thereafter, possible Table C with a $5 flat extra! thousand in the first year, tapering down to Standard after four years, for a single event. For multiple episodes, Table D with a $5 flat extra premium/thousand until four years after the last episode.
Life Insurance Solutions, in summary when underwriting a stroke history, suggests for those persons looking for life insurance for a stroke, the following factors are very important in assessing the risk:
- Type of event? CVA? TIA? Both?
- If CVA, type? Bleeding? Blood clot?
- Number of events?
- Dates of events?
- Residuals - e.g., paralysis, slurring of speech, unsteady gait, double vision?
- Blood pressure history? Blood pressure under control with or without medication?
- Cholesterol under control with or without medication?
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