Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Nov 23, 2021

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The Facts of Life

  • AIG and Mutual of Omaha are the best life insurance companies for stroke patients
  • You’ll need to take a medical exam to get a life insurance policy at a stroke-friendly life insurance company
  • Stroke patients can pay as low as $11/mo. for life insurance rates

Are you searching for life insurance companies that are stroke friendly? A life insurance payout for stroke patients is available at companies that cover critical illness.

Getting health insurance after strokes is essential, but securing life insurance is just as important. But don’t worry, we’re here to help.

Read our guide to learn how to secure a stroke-friendly policy at the best life insurance companies in the nation.

After learning more about life insurance companies that are stroke friendly, enter your ZIP code in the free comparison tool above to compare multiple companies in your area.

Which life insurance companies are stroke-friendly?

A stroke (or cerebrovascular accident) is a critical illness that can occur suddenly. If you’re buying a life insurance policy after a stroke, it may be difficult to secure coverage.

But there are a few companies that provide life insurance coverage even after you’ve had a stroke.

Here’s a list of life insurance companies that provide coverage for critical illnesses:

  • Aflac
  • Mutual of Omaha
  • Colonial Life Insurance Company
  • AIG
  • Liberty Mutual
  • American Fidelity
  • Assurity Life Insurance

Smaller life insurance companies may also carry stroke-friendly life insurance policies.

For example, Abrams Insurance Solutions, Guardian Life, and Willamette Life are reliable options for stroke patients. But these companies may not be available across the United States.

Why won’t life insurance provide coverage for people who’ve had a stroke?

Life insurance companies that aren’t stroke-friendly want to avoid the risk.

Stroke is one of the critical illnesses that some life insurance companies avoid because it correlates to a higher risk of filing claims.

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Can I get life insurance if I have had a stroke?

The answer is yes. You can still get life insurance after a stroke. Although the underwriting process may take longer than usual, you can receive life insurance coverage after a stroke.

A life insurance company usually prepares term and permanent life insurance by asking you to get a medical exam.

Since stroke is considered a critical illness, you’ll need to inform your life insurance company that you had a stroke. 

This may increase your life insurance rates per month, but you’ll keep your life insurance policy.

How much is stroke-friendly life insurance?

On average, life insurance rates for a 40-year-old are about $20 a month. But what does life insurance look like for other age groups and policy amounts?

Let’s look at the average life insurance rates:

Average Monthly Term Life Insurance Rates by Age and Death Benefits
AgeAverage Monthly Rates for a Female, $100,000 PolicyAverage Monthly Rates for a Male, $100,000 PolicyAverage Monthly Rates for a Female, $250,000 PolicyAverage Monthly Rates for a Male, $250,000 PolicyAverage Monthly Rates for a Female, $500,000 PolicyAverage Monthly Rates for a Male, $500,000 Policy
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Higher policy amounts (death benefits) mean more expensive life insurance rates. And if you’ve had a stroke before, expect your rates to go up even more.

If you find a life insurance company that provides critical illness insurance, you can receive a lump sum between $5,000 and $100,000.

What do life insurance companies look for after you’ve had a stroke?

Life insurance companies want to know more details about your stroke while covered or before you got a life insurance policy.

Here’s a list of things companies look for after you’ve had a stroke.

  • When you were diagnosed
  • Diagnosis results
  • Your response to your diagnosis
  • Your medical history
  • What treatments you’re using
  • Other medical conditions you have
  • Whether you’re a smoker

Each company is different, but these are some of the essentials you may see even at stroke-friendly life insurance companies.

Life insurance companies also look at the type of stroke you had. The CDC reports three stroke types: Ischemic stroke, Hemorrhagic stroke, and Transient Ischemic Attack (TIA also called “mini-stroke”).

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What if my life insurance policy request is denied?

When life insurance companies deny your policy request, they’re saying that your factors correlate to a risk they won’t insure.

But why? According to the Centers for Disease Control (CDC), a person dies from stroke every four minutes in the United States. More than 795,000 people have a stroke every year.

And around 610,000 of those people have experienced stroke for the first time.

Therefore, some life insurance companies don’t want to insure someone who has had a stroke as it leads to a lower life expectancy. This increases the risk of filing a claim.

Fortunately, several companies are stroke-friendly.

What You Need to Know About Life Insurance Companies That Are Stroke Friendly

Stroke-friendly life insurance companies usually charge more than the average life insurance rates. But you may be able to save money with the right company.

To secure the best life insurance policy for stroke patients, shop around until you find a policy that works for you.

Now that you know more about life insurance companies that are stroke friendly, enter your ZIP code in the free online quote tool below to compare companies near you.