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A stroke is something that can happen to anyone of any age. Most commonly it is found to happen in the age brackets of 65 and above, but it can happen to any age group including very young children and babies.

If an individual has a stroke sometimes it can leave them with disabilities such as one side of their body being paralysed, loosing the ability of speech and many more problems.

Typically there are a large number of people within the United Kingdom that have had a stroke and suffer with disabilities as a result of them having a stroke at some point in their lives. If an individual was to have a stroke it would mean that the individuals brains blood supply would have been cut off in some way. If the blood supply is cut off to the brain it means that important oxygen and nutrients can not reach the brain, these sort of illnesses are often covered by a critical illness plan but not by a Life Insuranceplan.

In the event of a Life Insurance insurance company rejecting a claim it can because of a number of reasons. The insurance underwriter will have considered everything down to the last detail.

Sometimes the insurance companies refer claims to their chief medical officers, and senior underwriters who can then asses the case even further and may be able to give a more appropriate decision on the claim that has been submitted to them. The underwriting process varies from company to company but this can generally take between 2 and 7 days.

Within this time the underwriters are accessing the policy for either acceptance of the application or in the event of a claim. If the policy is in application stage the underwriters may chose to increase a policy premium if there are any issues or they may even decide to exclude any pre existing conditions. All decisions will be put into writing and you can choose whether or not to accept the offered terms.