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Some jobs naturally carry more risk than others, placing certain workers in challenging situations daily. From construction sites to open waters
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You may have found it difficult to secure life insurance with Transient Ischaemic Attack (TIA) Life Insurance. But rest assured, The Insurance Surgery has over 25 years of experience finding suitable policies for our clients.
A mini-stroke, or Transient Ischaemic Attack (TIA), happens when blood supply to the brain is disrupted. This results in a lack of oxygen being delivered to the brain. A TIA can cause symptoms to occur that are similar to a stroke, such as difficulty speaking, weakness in the arms and a fallen face. A TIA lasts for a shorter duration in comparison to a stroke. A Transient Ischaemic Attack is usually caused by a blood clot that has formed somewhere else in the body and spread to the blood vessels that supply oxygen to the brain.
Several factors can increase the chances of a person experiencing a TIA. These include being a smoker, being overweight, having diabetes or high cholesterol, drinking heavily and heaving an irregular heartbeat.
Those over the age of 60 are also at an increased risk of having a TIA.
The main symptoms of a Transient Ischaemic Attack (TIA) include:
Successful treatment following a TIA depends on how quickly the person having the attack seeks professional medical treatment. They will require medical treatment to prevent a future stroke from occurring. A hospital will give advice on lifestyle changes to minimise the risk of stroke.
In some cases, you may be put on a course of medication, or require surgery to unblock the affected arteries. Having a TIA means that you are at a greater risk of having an actual stroke at some point in the future. There are several lifestyle adjustments you can make to minimise the risk. This includes:
The following are the main conditions for underwriting an application for Transient ischaemic attack (TIA) life insurance:
The Insurance Surgery is a leading mini-stroke or Transient ischaemic attack (TIA) life insurance specialist. We understand that every client’s circumstances are unique, and help them to identify the best life insurance providers and cover plans for their needs. Fill in one of our simple online forms for a free no-obligation quote for life insurance.
If you have experienced a TIA, it is unlikely that Critical Illness cover could be available to you through most insurance companies. It is unlikely that you will get full Critical Illness Cover. However you may be able to obtain Critical Illness cover with cardiovascular and stroke-related exclusions made to your policy.
Cover will depend on whether you are able to manage your condition and if the TIA you suffered has greatly impacted your general health. Applications for critical illness cover can be stricter than applications for life insurance.
An insurer may seek some form of medical confirmation from your GP, or access to your medical records. Contact us at The Insurance Surgery for more details and to be put in touch with insurers offering cover for your needs.
It is possible to obtain cover for income protection through an insurer if you have experienced a TIA. Many insurers will query how many TIAs you have experienced, if they occurred at work, and whether they have affected your ability to work.
They will also require further details about your health, such as your blood pressure, medications taken, lifestyle and cholesterol readings. It is very likely they will request a report from your GP and it’s likely there will be an exclusion applied to the policy in relation to Strokes/TIAs.
Underwriting for TIA life insurance will depend on the following factors. Insurers may ask you for more details on the following:
What caused the TIA to occur
Your age
The date your TIA occurred
The number of episodes you have had
Whether there is any lasting neurological damage
Medications prescribed
Hospital treatment received
Your family’s medical history
Your test results
Your exercise/activity levels
An insurer will want to check the severity of your condition to estimate the risk of you developing another stroke in the future. It is likely that they will request access to details of medications you are taking, the date of your initial diagnosis, and details of any other medical-related complications. It is common for many people to be offered life insurance on standard terms if they have suffered a TIA but have no reoccurring symptoms.
If however you are still suffering from complications, you may be offered cover with higher premiums. At The Insurance Surgery, we have helped many people find the right life insurance after TIA for their needs.
If you’re the primary breadwinner or share financial responsibilities, a life insurance policy can help your family maintain their standard of living in the unfortunate event that you’re no longer around to support them.
We take pride in the experience that we offer, guaranteeing excellent service at all times.
With 25 years of specialist life and protection experience, we can find the perfect policy for you.
With a broad selection of partners, we are well-equipped to find the best insurance deals for you.
Known for making insurance simple, The Insurance Surgery is a trusted, award-winning broker.
Relax, knowing that your family can receive the financial support that they need after you pass, and trust The Insurance Surgery to guide you through the life insurance process. With 25 years behind us, we are a trusted broker known for our expertise, prioritising transparency, and providing excellent customer service. So, rely on us to ensure you receive the cover you need at a fair and affordable price.
For a life insurance quote, contact us today on 0800 083 2829 to schedule a free consultation and take the first step towards protecting yourself and your loved ones financially.
Understanding how IHT works and the ways to mitigate its impact can help you plan and ensure that your loved ones don’t face unexpected tax bills.
Since the introduction of Highly Active Antiretroviral Therapy (HAART), premiums for those living with HIV have significantly reduced over the last 15 years. The amount you pay each month in policy premiums depends on your specific circumstances. When assessing your application, insurers will take into account factors such as your CD4 count and viral load.
Our experts will help you find the best deal to suit your needs and budget, taking the time to go through the different policies and discuss any concerns you may have.
James is 31 years old and was diagnosed with HIV in 2017. He wanted to obtain both life insurance and critical illness cover to support his wife and child should anything happen.
We found James Life Insurance & Critical Illness Cover below:
Jean is aged 45 and was diagnosed with HIV in 2011. She is keen to secure level life insurance for her and her partner.
We found Jean the Level Life Insurance below:
Obtain a cheaper quote elsewhere, we’ll beat<br>the price and also give you a £50 gift card!*
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Price Promise ensures that we will find you the right
cover for your circumstances.
Yes, absolutely. Due to the recent changes in life insurance underwriting for HIV, we have seen a number of previous restrictions lifted. We now have access to standard rates and ‘whole of life‘ cover with no term restrictions if you are living with HIV, your viral load is undetectable, and your CD4 count is high.
Similar to other pre-existing medical conditions, if you are HIV positive, you will likely pay higher premiums than someone who isn’t. The exact amount depends on your personal circumstances, which will be assessed when you put forward your application.
If you’ve recently been diagnosed with HIV but already have life insurance, it is well worth reviewing your existing cover, especially if it was obtained several years ago, as it is very likely that some changes could benefit you.
The Insurance Surgery also offers a free Annual Review service to all our existing / new clients. This means that we constantly make sure that you have the right cover for your ever-changing life and check for any changes in underwriting.
Yes, we do! Use our partner’s Travel Insurance comparison tool to compare over 20 travel insurance quotes, all with your HIV covered, within just a few minutes and only having to input your information once.
Offering free advice, our experts are ready and waiting to offer protection advice on HIV life insurance policies that would best benefit your circumstances. With 25 years of experience, we’re a trusted broker and pride ourselves on making insurance simple.
We understand that finding life insurance can be tricky, especially when you have a pre-existing condition, so why not leave it to us? Give us a call today, and we’ll help you find the ideal policy that suits your needs and matches your budget.
Stay informed with the latest updates in the insurance industry for 2025 here.
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