Stroke

A stroke occurs when a blood vessel carrying oxygen to the brain bursts or is blocked by a clot.
This causes interruption of blood supply to part of the brain. It can damage or destroy the brains cells which affect body functions.
Symptoms typically start suddenly but can last for more than 24 hours. A transient ischaemic attack (TIA) is also known as a mini stroke.
This happens when supply to the brain is briefly interrupted usually for a few minutes with a full recovery within 24 hours.

What information should my client provide?

Your customer can complete the General Medical Section of Fasttrack Questionnaire

Facts:

One in five people will have a stroke at some time in their life. Most are over age 65 but stroke can occur at any age.

Source: www.stroke.ie

Likely Underwriting Acceptance:

Stroke*

Age of Applicant	Life Cover	Specified Illness Cover	Income Protection	Bill Cover
Under 40 years	200% upwards	Decline	Decline	Decline
40 - 69 years	125% upwards	Decline	Decline	Decline
70 + years	75% upwards	Decline	Decline	Decline

*Where symptoms are severe and impact on daily living including impaired cognition, inability to walk without assistance, need for a wheelchair or inability to live independently terms will not be available. Term will not be available if there has been more than one stroke.

TIA

Age of Applicant	Life Cover	Specified Illness Cover	Income Protection	Bill Cover
Under 40 years	150% upwards	Decline	Decline	Decline
40 - 69 years	505 - 75% upwards	Decline	Decline	Decline
70 + years	50% upwards	Decline	Decline	Decline

Please note that likely acceptance terms are indicative only and cases are subject to full underwriting.