Here are some questions the applicant with a stroke might have to answer:
- Age of diagnosis?... and was it diagnosed as a TIA or CVA?
- Was this the first occurrence?...if not, when were prior instances?
- Any history of CAD, PVD, diabetes, hypertension, or smoking?
- Has there been follow up testing and have results been negative?
- Is there a known cause of the stroke?
- Is there any residual neurologic or cognitive impairment?
Strokes have a tendency to recur and, because of that, will often have a postponement period of 3 to 12 months. If there are no further incidents, underwriting improves as time from the stroke occurrence increases. Age of the person at the time of the occurrence or diagnosis is also a factor. TIAs are underwritten more favorably than CVAs, and we can often get offers of T2-3 and up. CVAs are more difficult to underwrite, but offers of Table 4-6 are not uncommon.
If you have any question, please contact us as we have experience in helping with complicated health situations.