Life Insurance for Strokes and TIA

Call us today: (260) 422-5377 or (877) 341-5377

(Indiana & Ohio Residents Only)

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?” If you answered “No,” keep reading.

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
 
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 Quarterly Monthly Quarterly Monthly Quarterly Monthly Quarterly
EFT ** EFT ** EFT ** EFT **
- 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 contact us to inquire when your state may be added.

 

Stroke News — ScienceDaily

Latest medical research on stroke risk and treatments. Read about the symptoms of mini-strokes, stroke rehabilitation and recovery.
Unusual disease that causes acute confusion may be underdiagnosed
Wednesday February 25th, 2015 07:23:17 PM

An unusual disease called Susac syndrome, which can cause acute confusion and problems with hearing and eyesight, is rare but probably under reported, physicians report.
Taking NSAIDs with anti-clotting medications, risk of bleeding, cv events
Tuesday February 24th, 2015 04:29:19 PM

Among patients receiving antithrombotic therapy (to prevent the formation of blood clots) after a heart attack, the use of nonsteroidal anti-inflammatory drugs (NSAIDs) was associated with an increased risk of bleeding and events such as heart attack, stroke or cardiovascular death, even after short-term treatment, according to a study.
Resistance to aspirin tied to more severe strokes
Monday February 23rd, 2015 09:41:55 PM

People who exhibit a resistance to aspirin may be more likely to have more severe strokes than people who still respond to the drug, according to a new study.
Study sheds light on a 'guardian' protein of brain function
Monday February 23rd, 2015 03:41:43 PM

The critical role of CHIP was reported by researchers. Their report has spurred efforts to develop CHIP-enhancing drugs to help speed recovery from strokes and following neurosurgery, and prevent development of neurodegenerative disorders.
Statins may not lower Parkinson's risk, experts say
Thursday February 19th, 2015 04:57:34 PM

The use of statins may not be associated with lowering risk for Parkinson's disease, according to a new study. The findings cast doubts on reports suggesting that the cholesterol-lowering medications may protect against this neurodegenerative brain disorder.
Stroke researchers report uniqueness of KF-NAP for assessing spatial neglect after stroke
Wednesday February 18th, 2015 09:58:34 PM

Stroke researchers have determined that the Kessler Foundation Neglect Assessment Process (KF-NAP) measures severity of spatial neglect during activities of daily living. Spatial neglect is a complication of stroke that contributes to poor rehabilitation outcomes, prolonged hospital stays, and increased risk for accidents.
Chicken pox virus may be linked to serious condition in the elderly
Wednesday February 18th, 2015 09:55:55 PM

A new study links the virus that causes chicken pox and shingles to a condition that inflames blood vessels on the temples and scalp in the elderly, called giant cell arteritis. The condition can cause sudden blindness or stroke and can be life-threatening.