Can I Get Life Insurance with a Transient Ischemic Attack (TIA)?

Shawn Plummer

CEO, The Annuity Expert

Traditional Underwriting Policies

Eligibility After TIA:

  • Full Recovery Required: Insurers typically require complete recovery from a TIA.
  • Waiting Period: A minimum of 6 months post-TIA is often necessary.
  • Cognitive Function: No cognitive impairments should be present.

Final Expense Plan

Alternative to Traditional Policies:

  • Premiums and Rating: Starts at Table 4 rating; higher than standard rates.
  • Benefits: These plans usually offer limited benefits compared to traditional life insurance.

Sub Standard Market for Business Owners

For Entrepreneurs with TIA:

  • Special Consideration: Some sub-standard markets may insure business owners with TIAs.
  • Exclusion Clause: Policies might exclude coverage for stroke-related claims.

Guarantee Issue Plan

Last Resort Option:

  • No Medical Underwriting: These plans do not require medical exams or health questions.
  • Higher Premiums and Limited Benefits: Costs are higher, and benefits are generally more limited.

Comparison Table

Policy TypeEligibility CriteriaPremiumsCoverage Notes
Traditional UnderwritingFull recovery, 6-month wait, no cognitive impairmentsStandard ratesComprehensive coverage
Final Expense PlanIf traditional policies unavailableHigher than standard (Table 4)Limited benefits
Sub Standard (Business Owners)Business owners with TIA, stroke exclusionVariesExcludes stroke-related claims
Guarantee IssueNo health questionsHighest premiumsLimited benefits, easy issuance


Understanding your options for life insurance following a TIA is crucial. Traditional policies are available under certain conditions, while final expense plans, sub-standard options for business owners, and guaranteed issue plans provide alternatives with varying premiums and coverage limitations. This guide offers a comprehensive overview to assist in making an informed decision. Contact us today for a free quote.

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Shawn Plummer

CEO, The Annuity Expert

Shawn Plummer is a licensed financial professional, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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