Stroke is a serious medical event in which blood flow to a part of the brain is interrupted, leading to brain cell damage and potential long-term neurological deficits. It may result from a blocked artery (ischemic stroke) or a bleeding vessel (hemorrhagic stroke). Symptoms include sudden weakness, facial droop, speech difficulties, vision changes, and loss of balance. Outcomes range from full recovery to significant disability or death, depending on location, size, and treatment speed. Stroke is a major cause of mortality and morbidity worldwide and is strongly associated with risk factors such as hypertension, atrial fibrillation, smoking, diabetes, and high cholesterol. For insurers, a history of stroke represents elevated risk and requires careful underwriting.

Underwriters reviewing a stroke history request hospital records, neurology reports, brain imaging, and rehab notes to assess severity, cause, and residual impairments. Mild strokes with good recovery and strong risk factor control may qualify for coverage after a waiting period, often with ratings. Severe strokes with persistent deficits or recurrent events can lead to declines. Advisors help clients by documenting functional status, independence in activities of daily living, and adherence to medications. They may also explore critical illness, LTC, or disability coverage for at-risk clients and family members. Understanding stroke and its underwriting impact helps advisors set expectations, position cases with appropriate carriers, and emphasize prevention and risk management.