I suffered a stroke two years ago and I am still under hospital care. While my employer’s death-in-service benefit equals 4.5 × my salary, I want a separate term life policy, that covers stroke/mini stroke/Tia.
Here is what I can share right away:
• full ambulance and hospital reports
• a current list of medications
• detailed past medical history and lifestyle notes
My main aim is income replacement for my family, so I’m only interested in term life insurance and need clarity on benefit amounts, exclusions, and realistic premium ranges given my health profile.
I’d like a specialist who has previously placed high-risk or impaired-life applications to:
1. Review my documentation and flag any additional evidence an underwriter is likely to request.
2. Approach reputable insurers that accept applicants with prior stroke/TIA history, obtain at least three indicative quotes, and outline their key terms in plain English.
3. Recommend the most suitable option, explaining premiums, coverage limitations, and any waiting periods or exclusions.
4. Guide me through the application so that all medical disclosures are correctly presented, minimising delays or declines.
Please state any similar cases you have handled and the typical turnaround time you expect from first contact to policy issue.
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