If you have suffered from any form of stroke and are looking for life insurance advice, look no further than Special Risk Managers. We may be able to help you obtain life insurance once you have had a stroke, when you need it most.
Stroke In Australia
Stroke (sometimes referred to as cerebrovascular disease) is the leading cause of disability as well as being the second most prevalent cause of death. These figures may come as a surprise to some; however, it’s an unfortunate reality we have been dealing with for a very long time.
According to the Australian Bureau of Statistics, 1.8% of the entire Australian population had a stroke in 2009. They estimate that one in 6 will suffer from a stroke at some point in their lives. This is why life insurance that covers a stroke is a worthwhile investment.
Getting Life Insurance Advice After Suffering A Stroke
The prospect of applying for different types of insurance after suffering a stroke can be quite daunting. Having obtained cover for many people who have suffered a stroke in the past, we are the market leaders in being able to provide insurance to clients with pre-existing conditions.
Once we have some basic information about the recency, severity and control of your stroke, we will speak with our dedicated underwriters at Australia’s largest insurers. We will then come back to you with the options we have been able to secure based on your medical history.
Can I Insure Myself In Case I Have A Stroke?
Stroke is a critical illness that is covered by most trauma insurance policies that are available today. This would generally result in your receiving a payout under any trauma insurance policy that you own on your life. This lump sum payout can be used to help finance any adjustments that will be required to be made to your home or any time off work that you may require.
Income Protection and Total and Permanent Disability Insurance can also provide peace of mind that you will not be financially crippled if the worst occurred. Your income protection policy would begin to payout after you have not been at work for longer than the agreed waiting period.
Your total and permanent disability policy will pay out in the event your stroke renders you unable to ever return to work again. We have successfully obtained all types of insurance for stroke sufferers in the past.
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Types Of Stroke
There are various types of stroke that people can be affected by and we and we are the industry leaders in obtaining insurance for those who have suffered from different types of stroke.
Haemorrhagic stroke refers to a stroke that is caused by bleeding within the brain. This could happen as a result of a blood vessell bursting inside your brain. Our body seeks to stop the bleeding in our brain by forming a clot, this in turn permanently damages the effected area of the brain.
Ischaemic Stroke is a type of Stroke that occurs when the blood supply to a part of your brain is blocked by a blood clot or fatty tissue. If the blockage is not removed immediately, the whole area effected by the clot can be permanently damaged. If not dealth with in a timely manner it can result in brain ifarction (a often fatal type of extensive tissue damage to the brain.) This is comfortably the most common type of Stroke suffered by Australian’s.
A transient ischaemic attack (TIA) is commonly referred to as a mini-stroke. This type of stroke is characterised by the disappearance of all related symptoms within a short period of time after suffering the stroke. Suffering a TIA is considered a reliable indicator of ones likelihood at suffering future strokes with 1 in 5 people who suffer a TIA suffering a major stroke within the next 3 months.
Ways Of Reducing Stroke Risk Factors
It is important to do what you can to reduce the risk factors of stroke and prevent yourself from needing to claim on your life insurance due to a stroke.
- 1. Exercise
A healthy diet is central to reducing your risk of cardiovascular and cerebrovascular disease.
- 2. Diet
A healthy diet and lifestyle reduces key risk factors for stroke and heart diseases
- 3. Constant screening
Monitoring and attending to any symptoms that may present is crucial to early detection.
Smoking increase your risk factors of cardiovascular and cerebrovascular disease
Blood pressure is an indicator of how well your risk factors are being controlled, lifestyle and dietary adjustments are crucial to controlling this.
If stroke has had a negative impact on your life and your ability to obtain life Insurance, contact us or fill in the above form to receive the life insurance advice you need.