Hi all,

   I had my surgery 3 years back and doing perfectly fine. I was recently trying to purchase life insurance and hence I was wondering whether anyone has any experience of buying one after surgery.

Does the fact that we had moyamoya / surgery negatively affect premium ?

Which insurance companies are better with regard to this type of pre-existing conditions ?

Thanks

Hello.
     My husband and I tried to get AFLAC life insurance.  He and my children are covered in all areas but I was only able to get coverage in case I ever get CANCER!!!
I am about 2 and a half years post surgery without stroke or TIA's in over a year.  Best of luck!  Newt

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

I don't know if it maybe different here in the UK but I thought Life Insurance was similar to travel insurance in that if something happened because of MM they wouldn't payout? How I feel after my opp I don't think I will be dying due to a stroke or Tia! you should question this with insurance companies.

The typical insurance coverage for surgery policy vary. It depends on your health insurance providers. Take the help of financial adviser, they can guide in a better way.