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G. A. MacDonald Associates, Inc.

Financial Management & Insurance Services
2200 Lake Avenue, Suite 120, Fort Wayne, Indiana 46805
Phone: (260) 422-5377 Fax: (260) 423-6780 Toll-free: (877) 341-5377

Life Insurance for Stroke

(Indiana & Ohio Residents Only)

Residents of other states - click here

   So, you've been told that you don't qualify for life insurance because you've had a stroke.  I’m here to tell you that life coverage may be available, even if you've been declined in the past.

In Indiana and Ohio our agency provides affordable life insurance coverage for our clients with strokes as a pre-existing condition. And it couldn't be easier to qualify because the application only has one medical question...

"Are you currently confined to a hospital or  hospice, or have you been told by a medical  practitioner that you have a terminal illness?"

"No"

This life insurance plan guarantees anyone aged 5 to 80 the opportunity to purchase up to $25,000 of permanent whole life protection by answering one simple medical question. No medical information or exam is required. The death benefit in years one to three is limited to a return of premiums paid in the first year, 50% in the second year and 100% in the third year and thereafter. The full face amount of the policy is payable in all years in case of accidental death.

Features

  • NO medical or physical exam - only one (1) health question
  • Premium is fully-paid in 20 years - Insurance coverage continues for life
  • Policy builds cash value
  • Provides a $10,000 or $25,000 life benefit for accidental death

Rates

Graded Death Benefit
Indiana & Ohio Whole Life Insurance Policy
20-Year Pay
INDIANA & OHIO
(Smoker & Non-Smoker)
Premium Rates *

$10,000 Life Benefit $25,000 Life Benefit
  Male Female Male Female
Age Monthly
EFT **
Quarterly Monthly
EFT **
Quarterly Monthly
EFT **
Quarterly Monthly
EFT **
Quarterly
- For ages younger than 18, please visit this page -
18 $19.57 $59.60 $13.86 $42.21 $45.00 $137.07 $30.73 $93.61
19 19.98 60.87 14.15 43.12 46.04 140.25 31.47 95.86
20 20.42 62.20 14.46 44.04 47.13 143.56 32.23 98.18
21 20.87 63.57 14.76 44.97 48.26 147.01 32.99 100.50
22 21.32 64.95 15.08 45.92 49.39 150.45 33.78 102.89
23 21.80 66.41 15.41 46.93 50.59 154.10 34.60 105.40
24 22.29 67.89 15.74 47.94 51.81 157.81 35.43 107.92
25 22.79 69.40 16.08 48.97 53.05 161.58 36.28 110.51
26 23.34 71.10 16.63 50.67 54.44 165.82 37.67 114.75
27 23.92 72.85 17.21 52.42 55.88 170.20 39.11 119.12
28 24.52 74.68 17.80 54.22 57.38 174.77 40.59 123.62
29 25.14 76.59 18.43 56.13 58.94 179.54 42.15 128.39
30 25.80 78.57 19.08 58.11 60.57 184.51 43.78 133.36
31 26.47 80.61 19.76 60.18 62.25 189.61 45.48 138.53
32 27.17 82.76 20.46 62.33 64.01 194.97 47.24 143.90
33 27.90 84.99 21.19 64.55 65.84 200.54 49.07 149.46
34 28.65 87.26 21.95 66.86 67.71 206.24 50.96 155.22
35 29.43 89.65 22.74 69.27 69.67 212.20 52.94 161.25
36 30.64 93.33 23.58 71.82 72.69 221.41 55.03 167.61
37 31.91 97.20 24.46 74.49 75.86 231.08 57.22 174.30
38 33.23 101.23 25.37 77.27 79.17 241.15 59.51 181.26
39 34.62 105.44 26.33 80.19 82.63 251.68 61.90 188.55
40 36.07 109.87 27.32 83.21 86.26 262.75 64.38 196.10
41 37.58 114.45 28.36 86.39 90.02 274.21 66.99 204.05
42 39.16 119.28 29.45 89.70 93.98 286.27 69.71 212.33
43 40.80 124.29 30.59 93.17 98.09 298.79 72.56 221.01
44 42.52 129.51 31.78 96.80 102.38 311.84 75.54 230.09
45 44.31 134.96 33.02 100.57 106.86 325.49 78.63 239.49
For ages 46+ please contact Dave MacDonald

* Rates are current for 2009 and subject to change without notice. This page and illustrations provided are for summary purposes only and contain a general outline of coverages provided. This is not a contract or policy. For a complete and detailed description of coverages and exclusions, refer to the policy forms.

** Monthly (EFT) - Bank draft from a checking account on the same day each month.

(Indiana & Ohio Residents Only)

For more information, please send an 
email to Dave MacDonald or call us:
Toll-free: (877) 341-5377
Local: (260) 422-5377

Residents of Other States

   Our agency is presently licensed to write this plan only in the State of Indiana. 

   We will be adding other states in the near future. Please email Dave MacDonald to inquire when your state may be added.


Strokes in the News...

table border=0 cellpadding=2 cellspacing=7 style=vertical-align:top;trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNGcGVoXyCUtjVwyuNpuP5M4SeBZ4Aamp;url=http://www.cardiologytoday.com/view.aspx?rid%3D92105img src=//nt0.ggpht.com/news/tbn/FLG0XFdt8LUHtM/6.jpg alt= border=1 width=80 height=80 /br /font size=-2Cardiology Today/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbr /div style=padding-top:0.8em;img alt= height=1 width=1 //divdiv class=lha href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNHXDMPRt6Mzt0-WeCLcWw6xp9w8pQamp;url=http://www.medscape.com/viewarticle/758041bNo bStroke/b Prevention Benefit of Clopidogrel Plus Aspirin/b/abr /font size=-1bfont color=#6f6f6fMedscape/font/b/fontbr /font size=-1February 3, 2012 (New Orleans, Louisiana) — Adding clopidogrel to aspirin is no more effective in preventing recurrent bstroke/b than taking aspirin alone in patients with subcortical bstroke/b, and actually increases the risk for major bleeding and total b.../b/fontbr /font size=-1a href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNHdk1CBGK4f6h5X_5R1Xgr8z2rBzQamp;url=http://www.theheart.org/article/1351385.doNo recurrent bstroke/b prevention seen with clopidogrel plus aspirin/afont size=-1 color=#6f6f6fnobrTheHeart.Org/nobr/font/fontbr /font size=-1a href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNGcGVoXyCUtjVwyuNpuP5M4SeBZ4Aamp;url=http://www.cardiologytoday.com/view.aspx?rid%3D92105SPS3: Combining clopidogrel with aspirin fails to prevent recurrent bstrokes/b/afont size=-1 color=#6f6f6fnobrCardiology Today/nobr/font/fontbr /font size=-1a href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNGTgtDAYQcgBII0XucmUA6y6js4oAamp;url=http://www.physorg.com/news/2012-02-clopidogrel-aspirin-doesnt-small-death.htmlClopidogrel with aspirin doesn#39;t prevent more small bstrokes/b, may increase risk b.../b/afont size=-1 color=#6f6f6fnobrPhysOrg.com/nobr/font/fontbr /font size=-1 class=p/fontbr /font class=p size=-1a class=p href=http://news.google.com/news/more?ncl=dztbjdjKrtFOr2MgGAr8BKfiC8xoMamp;ned=usnobrball 10 news articlesnbsp;raquo;/b/nobr/a/font/div/font/td/tr/table

table border=0 cellpadding=2 cellspacing=7 style=vertical-align:top;trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serif/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbr /div style=padding-top:0.8em;img alt= height=1 width=1 //divdiv class=lha href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNGKz7N_QBzosdjjQorsIzQpDb2Jcwamp;url=http://www.sciencecodex.com/read/study_stroke_victims_recover_much_better_after_temporary_stent_procedure-85435bStudy: bStroke/b victims recover much better after temporary stent procedure/b/abr /font size=-1bfont color=#6f6f6fScience Codex/font/b/fontbr /font size=-1A new way of opening blocked arteries in the brain using a removable stent system in people suffering bstrokes/b brought remarkably positive results in how those patients recovered from the bstrokes/b, according to a study presented this morning at the b.../b/fontbr /font size=-1a href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNEZAon4-AxTs2QUrQn1Tscg2XECqAamp;url=http://www.kptv.com/story/16674754/ohsu-doctors-seeOHSU doctors see success with new bstroke/b treatment/afont size=-1 color=#6f6f6fnobrKPTV.com/nobr/font/fontbr /font size=-1a href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNFWCl2GQmcFy--3ev2r_qO3V8MtRwamp;url=http://portlandtribune.com/news/story.php?story_id%3D132829796860830800OHSU study points to advances in bstroke/b treatment/afont size=-1 color=#6f6f6fnobrPortland Tribune/nobr/font/fontbr /font size=-1 class=p/fontbr /font class=p size=-1a class=p href=http://news.google.com/news/more?ncl=dUXfH6tQteLQ6hM0W8mLRBwjCprmMamp;ned=usnobrball 5 news articlesnbsp;raquo;/b/nobr/a/font/div/font/td/tr/table

table border=0 cellpadding=2 cellspacing=7 style=vertical-align:top;trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNH7x_caJEK_-QwRZNgcwhfLLxNEaAamp;url=http://www.latimes.com/health/boostershots/la-heb-stroke-anemia-20120202,0,7506851.storyimg src=//nt1.ggpht.com/news/tbn/MRAtVlhFiU_NzM/6.jpg alt= border=1 width=80 height=80 /br /font size=-2Los Angeles Times/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbr /div style=padding-top:0.8em;img alt= height=1 width=1 //divdiv class=lha href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNHeQ3vnkAi3vmgvnVRbr4zjwwmW9Aamp;url=http://www.upi.com/Health_News/2012/02/04/Anemia-triples-risk-of-death-after-stroke/UPI-42221328338270/bAnemia triples risk of death after bstroke/b/b/abr /font size=-1bfont color=#6f6f6fUPI.com/font/b/fontbr /font size=-14 (UPI) -- Being anemic could triple the risk of dying within a year after having a bstroke/b, said researchers at Yale University School of Medicine in New Haven, Conn. Lead researcher Dr. Jason Sico, an assistant professor of neurology at Yale b.../b/fontbr /font size=-1a href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNHyRYIE6LCcJ9BBTza1e1sZqvRSKAamp;url=http://timesofindia.indiatimes.com/life-style/health-fitness/health/Anemics-at-higher-death-risk-after-stroke/articleshow/11742276.cmsAnemics at higher death risk after bstroke/b/afont size=-1 color=#6f6f6fnobrTimes of India/nobr/font/fontbr /font size=-1a href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNH7x_caJEK_-QwRZNgcwhfLLxNEaAamp;url=http://www.latimes.com/health/boostershots/la-heb-stroke-anemia-20120202,0,7506851.storyAnemia complicates recovery after a bstroke/b, study says/afont size=-1 color=#6f6f6fnobrLos Angeles Times/nobr/font/fontbr /font size=-1a href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNGV7W__GLQJcfDP4IKRrJ5g8029zgamp;url=http://www.clinicaladvisor.com/aha-anemia-may-triple-stroke-mortality/article/225963/AHA: Anemia May Triple bStroke/b Mortality/afont size=-1 color=#6f6f6fnobrClinical Advisor/nobr/font/fontbr /font size=-1 class=pa href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNFSTQkqE1VLyr21JgzFP2oTt6jhjwamp;url=http://www.clinicalpsychiatrynews.com/news/more-top-news/single-view/anemia-triples-post-stroke-mortality-risk/bb57bfd686.htmlnobrClinical Psychiatry News Digital Network/nobr/anbsp;-a href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNEnKq332R2qsFV0ZRfwN0NxySMaaAamp;url=http://www.irishhealth.com/article.html?id%3D20325nobrIrish Health/nobr/a/fontbr /font class=p size=-1a class=p href=http://news.google.com/news/more?ncl=dxebNRsfcaWSmmM_Pnp-6ByfDnJyMamp;ned=usnobrball 20 news articlesnbsp;raquo;/b/nobr/a/font/div/font/td/tr/table

table border=0 cellpadding=2 cellspacing=7 style=vertical-align:top;trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNExoqHpFp57xPr-5KzNbW8-Nu9X2wamp;url=http://www.mediplacements.com/article-801282781-unexplained_strokes_caused_by.htmlimg src=//nt2.ggpht.com/news/tbn/boGJ-KYtFwlW3M/6.jpg alt= border=1 width=80 height=80 /br /font size=-2Mediplacements/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbr /div style=padding-top:0.8em;img alt= height=1 width=1 //divdiv class=lha href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNFT1togs31X8IGzPfcG8AukCBtVSQamp;url=http://www.medpagetoday.com/MeetingCoverage/ASAMeeting/31012bHidden Afib Common in bStroke/b of Unknown Cause/b/abr /font size=-1bfont color=#6f6f6fMedPage Today/font/b/fontbr /font size=-1Note that in one-third of patients discharged with a diagnosis of bstroke/b or TIA, there is no apparent cause. This retrospective study of patients receiving telemetry within six months of a cryptogenic event, found a high rate of atrial fibrillation in b.../b/fontbr /font size=-1a href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNGoSz_HYB5G0ZP8Ywmg5pXrWkgMigamp;url=http://www.huffingtonpost.com/2012/02/02/stroke-risk-erratic-heart-rhythm_n_1250711.htmlbStroke/b Risk: What Erratic Heart Rhythms May Mean For You/afont size=-1 color=#6f6f6fnobrHuffington Post/nobr/font/fontbr /font size=-1a href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNGFdxsyZdPBPY8WlidFREl1Z_TIMgamp;url=http://health.india.com/news/is-there-a-link-between-erratic-heartbeats-and-strokes/Is there a link between erratic heartbeats and bstrokes/b?/afont size=-1 color=#6f6f6fnobrIndia.Com Health/nobr/font/fontbr /font size=-1a href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNExoqHpFp57xPr-5KzNbW8-Nu9X2wamp;url=http://www.mediplacements.com/article-801282781-unexplained_strokes_caused_by.htmlUnexplained bstrokes/b caused by erratic heart beat/afont size=-1 color=#6f6f6fnobrMediplacements/nobr/font/fontbr /font size=-1 class=pa href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNEGK7w1P65LzuYVmaNFrrKRytgB7Qamp;url=http://www.newswire.ca/en/story/915559/february-is-heart-month-the-new-programme-fa-ciliter-aims-to-optimize-care-given-to-quebec-patients-suffering-from-atrial-fibrillationnobrCanada NewsWire (press release)/nobr/a/fontbr /font class=p size=-1a class=p href=http://news.google.com/news/more?ncl=dqBZulHNlU6nmzM9wbs5cV-JuT4-Mamp;ned=usnobrball 5 news articlesnbsp;raquo;/b/nobr/a/font/div/font/td/tr/table

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For general information e-mail: Dave MacDonald
G. A. MacDonald Associates, Inc.
Fort Wayne, Indiana

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