Life Insurance After Stroke

We recognise how difficult it can be to arrange life insurance after a stroke and for people with disabilities and/or long-term health conditions. As a result, we have partnered with Cura Financial Service, who specialise in finding protection insurance for people that have pre-existing health conditions.

Cura offer 3 routes to access insurance policies:

Option 1 - Speak to an Adviser

By speaking to one of Cura’s advisers you will be in safe hands. Their empathetic and qualified advisers can talk to you about your needs and will do their best to find a policy that matches you.

Policies they offer include:

Life insurance
Critical Illness Cover
Income Protection
Accident, Sickness and Unemployment Insurance

Cura can be contacted by one of the following methods:

Option 2 - Buy Online - EverydayProtect

We understand that not everyone wants to speak to someone to buy insurance. You might just want to get on with things without getting advice. So Cura offers access to the Metlife EverydayProtect policy online.

This affordable cover provides financial support, 24/7 worldwide, for things like broken bones and life-changing injuries. It also includes much more including cashback for hospital stays in the UK (including pre-existing conditions and other health conditions once you’ve held the policy for 12 months).

With EverydayProtect, you will also have access to the Wellbeing Support Centre, that offers expert resources for a more positive future. You can have this protection for as little as £9 per month, with additional cover options for active lifestyles and children starting from £1 per month.

Option 3 - Buy Online - Over 50s Life Insurance

Over 50s life insurance is a popular way for people to plan for things like funeral expenses. You can access this insurance through Cura’s online systems without having to wait to get advice.

Over 50s Life Insurance is an easy way to buy life cover with no medical questions or medicals needed. Making sure that your loved ones have enough money to help pay for a funeral, or just to help with general finances when you are gone and Over 50s life insurance can really give you peace of mind.

Over 50s policies work by having an exclusion on death by natural causes/health conditions in the first 6-24 months of any policy. If death occurs in this timeframe, most insurers refund the premiums paid.

Frequently Asked Questions

We know it can be difficult to find answers or information about life insurance following a stroke so here are some common questions answered:

Can I get life insurance after a stroke?

Most people can get life insurance following a stroke but you are usually better seeking the help of an expert. A good broker knows the insurance market and can take away all the running around and research for you. There is no specific insurer that is the go to place for insuring people that have had a stroke, research is key!

Will I need to pay more?

Most life insurance policies are ‘underwritten’. This means there is an assessment of your health which goes towards the cost of the policy. Most life insurance policies will cost more if you have had a stroke. Life insurance is cheap so when there is a price increase it’s usually a lot less than people expect. Most life insurance policies will not exclude claims relating to strokes, but you must check the terms and conditions of your cover.

What should I do with my existing life insurance?

Most life insurance policies that have been taken out before having a stroke will still cover you without any changes to your premium. It’s important to check with your provider or adviser though, and failing that you can ask Cura who will advise you.

Can I get critical illness cover following a stroke?

This is much harder than life insurance as many insurers will not offer this after having a stroke. There are some instances where cover can be offered, such as where a stroke has been caused by a head injury or contraceptive pill, but most critical illness policies won’t be available. There are also some specialist routes where you can get critical illness cover, but most of these will have an exclusion for any claim relating to your stroke.

It’s always worth having a chat with an adviser at Cura for a no obligation chat about what insurances you can have.

For every insurance policy bought through Cura after a referral from Different Strokes, Different Strokes will receive a commission. However, this will not affect the overall price that you pay, so benefits stroke survivors through accessing appropriate insurance whilst earning important funds for Different Strokes.