Lore
MM.com Benefactor
 
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My brother Kevin (Cubbie) has Moyamoya
Posts: 819
Delaware, USA, usa, 419, 133, OH, Ohio
Gender:
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Hi All,
As a licensed health, life, disability, AD&D and annuity insurance agent, with 35 years experience in the insurance industry, I can share life insurance underwriting with you. Life insurance is based on mortality (death). Life insurance underwriting views a stroke as life changing and life threatening in many ways. There is a waiting period for both TIAs and stroke.
With a TIA, the insurance company is looking for a recurrence or a stroke. With a stroke, it has to do with recovery from the neurological effects. They are looking for how severly impacted the person is, and success in treatment in preventing a recurrence.
The less impact a major health problem has on your life, the less impact it will have on your ability to find reasonable insurance rates.
Bottom line, life insurance looks at medical events, damage done and how prone that makes a person to additional mortality events. As an example, a progressive carotid artery disease, like moyamoya, although not the same as Arterioclerosis, is a serious concern to most life insurance companies. With that said, not all life insurance companies underwrite the same.
There are insurance companies who will underwrite high risk cases. Keep in mind, the higher the risk, the higher the price. Term insurance is cheaper than Whole Life since there is no cash value associated with Term life insurance.
You can search the web for a high risk or stroke life insurance company to compare rates or ask your life insurance agent to suggest a company that may consider underwriting you.
Hope this helps.
Lore
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