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A Trading Style of Platinum Financial Consulting

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THE FINANCIAL CONDUCT
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FCA Registration No : 227014  
     
 

Stroke Life Insurance

 

We specialise in helping people who have had a stroke find life insurance. We can also help you with your other insurance needs, such as income protection insurance and travel insurance.

We are experts in knowing which insurers will consider your application, given your stroke, with a wealth of knowledge and years of experience. Most importantly, we do all the work for you making this a hassle-free and streamlined process.

Whilst we can’t always guarantee that we can get you life insurance, rest assured that we won’t leave any stone unturned. We will give you an honest assessment as to whether you will be able to get life insurance, as well as an indication of how much it might cost.

If there is a choice between insurers, we will help you find the insurer who is willing to offer you cover at the cheapest rate, so you can be confident in knowing you have the best deal.

We will do all the paperwork for you, and will keep you updated throughout so that you know how things are progressing.

We have a team who are life insurance specialists in helping people with strokes, and they are always on the end of the phone to discuss your needs or concerns. We are a UK based company, you will not have to talk to foreign call centres.

So if you want the peace of mind of having some life insurance in place, we are the people to help.

These are just two of the testimonials we have received after finding life insurance for clients:

“I am delighted with the service that I have received from Life Insurance Help. I would like to thank you for the excellent personal service, I have received regular feedback at every stage of my application for insurance. I would recommend this company to all my family and friends.”

“From first point of contact with Life Insurance Help, I was reassured and felt I was in good hands. They kept me up to date on the progress of my application at very stage, and were exceptionally prompt in replying to any query I had. Due to my circumstances it was a long process, but thanks to them, my cover is in place and my mind at rest. Thank you so much.”

So please get in touch and tell us about your circumstances, and we will help you find the insurance you need.

Stroke Support

Besides helping obtain Life Insurance for stroke sufferers we want to provide our customers with as much help as possible in dealing with their stroke.

The two sections below, Useful Links and About the Condition, aim to do just this.

We hope you find the information on this page useful, if you have any other information that you feel would be of benefit to other sufferers, please let us know.

Stroke : Useful links

Support groups and useful information for people who have had a stroke.
 
The Stroke Association
Stroke Research Network
Brain & Spine Foundation
Different Strokes
Brain Injury Rehabilitation Trust
Connect
Behind the Gray
 
 
 
 

Stroke : About the Condition

A stroke happens when the blood supply to the brain is disturbed in some way. As the brain needs the oxygen (provided by the blood), if the supply of blood is restricted or stopped, brain cells begin to die. This can lead to brain damage and possibly death.

Strokes are a medical emergency, and prompt treatment is essential because the sooner a person receives treatment for a stroke, the less damage is likely to happen.

Types of stroke

There are two main causes of strokes:

Ischaemic - Most strokes happen when a blood clot blocks one of the blood vessels (arteries) that carries blood to the brain

Haemorrhagic: a weakened blood vessel supplying the brain bursts and causes brain damage.

The main types of stroke are therefore as follows:

Transient ischaemic attack (TIA) or 'mini-stroke' – this is a short-term stroke that lasts for less than 24 hours, when the supply of blood to the brain is temporarily interrupted. The oxygen supply to the brain is quickly restored and symptoms disappear. A transient stroke needs prompt medical attention because they are often a warning sign that a full stroke is coming.

Cerebral thrombosis is when a blood clot (thrombus) forms in an artery that supplies blood to the brain, preventing blood flowing to the brain and starving the brain of oxygen. If the blood vessels are furred up with fatty deposits, it makes a blockage more likely.

Cerebral embolism is a blood clot that forms elsewhere in the body before travelling through the blood vessels and lodging in the brain.

Cerebral haemorrhage is when a blood vessel bursts inside the brain and bleeds (haemorrhages). With a haemorrhage, blood seeps into the brain tissue and causes extra damage.

It is estimated by the NHS that over 111,000 people in England suffer a stroke every year, and the brain damage caused for those who survive is the largest cause of adult disability in the UK.

People who are over 65 years of age are most at risk of having strokes, but they can affect people of any age, including children. Smoking, obesity, poor diet and excessive alcohol consumption can also increase the risk of a stroke, as well as condition affecting the circulation of the blood, such as diabetes or hypertension (high blood pressure).

Symptoms of a stroke

Strokes usually happen suddenly, and will affect people in different ways. Depending on which part of the brain is affected, the symptoms will be different. For example some parts of the brain affect speech, memory, swallowing and movement, and the symptoms will depend on the area of the brain which is damaged.

Face-arm-speech test (FAST) - The Stroke Association says three simple checks can help you recognise whether someone has had a stroke or mini-stroke.

  • Facial weakness: can the person smile? Has the mouth or eye drooped?
  • Arm weakness: can the person raise both arms?
  • Speech problems: can the person speak clearly and understand you?
  • Test these symptoms.

If you see any of these signs, call 999 for an ambulance.

Other signs and symptoms may include:

  • dizziness,
  • communication problems, difficulty talking and understanding what others are saying,
  • problems with balance and coordination,
  • difficulty swallowing,
  • severe headaches,
  • numbness/weakness resulting in complete paralysis of one side of the body, and
  • loss of consciousness (in severe cases).

Prompt emergency treatment for strokes is important because according to the NHS typically 1.9 million brain cells are lost during every minute a stroke goes untreated. In addition, one of the treatments for strokes called thrombolysis (clot busting medication) must be given within three hours of the stroke happening.

'Mini-stroke' or transient ischaemic attack (TIA)

The symptoms of a transient ischaemic attack (TIA) are the same as for a stroke, but they only last from between a few minutes to a few hours, then completely disappear. However, a TIA as it is a serious warning sign that there is a problem with the blood supply to your brain. It is estimated by the NFS that there is about a 1 in 5 chance that those who have a TIA will experience a full stroke during the four weeks following the TIA.

 


About Life Insurance for Stroke Sufferers

A life insurance policy is designed to pay out a lump sum upon the death of a person or persons named on the policy.

Most people understand that if they have a family or significant liability, then life insurance is a vital product to make sure the people and things they care about are protected.

There are many different types of life insurance available depending on your needs. The good news is that we are able to help you with all of them.

We take the time to ensure that our customers have the most appropriate life insurance to meet their needs, whilst also making sure that the price is right. Some of our most satisfied customers came to us as they were unable to obtain the life insurance they wanted elsewhere.

We can't guarantee that we can get you life insurance, but we will leave no stone unturned. Given our experience, if we are unable to get you life insurance cover, it is unlikely you will be able to get it at all. We will however give you a good understanding on future insurability, and an honest assessment of your situation.

Whatever your life insurance needs, we are able to help you. We have access to all the products from all of the UK's leading insurance providers.


 
     
Life Insurance Help Contact Details
 
Platinum Financial Consulting
The Old School House, East End Road
Bradwell-on-Sea, Essex, CM0 7PY


Telephone : 020 33 55 4831               Fax : 0871 277 1422          Email : help@platinumifa.co.uk

AUTHORISED AND REGULATED BY THE FINANCIAL CONDUCT AUTHORITY

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FCA Registration Number : 227014

 
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