TIA, or transient ischemic attack, is a brief neurological event caused by a temporary interruption of blood flow to part of the brain, spinal cord, or retina, producing stroke-like symptoms that resolve within 24 hours and often within minutes. Although TIAs do not result in permanent brain damage, they are serious warning signs of underlying vascular disease and a high risk of future stroke. Common symptoms include sudden weakness, speech difficulty, or vision changes. Evaluation typically involves imaging studies, cardiac workups, and aggressive risk factor management. For insurers, a history of TIA indicates elevated cerebrovascular risk and warrants careful underwriting.

Underwriters treat TIA disclosures as significant red flags and request neurology notes, imaging reports, carotid studies, and cardiovascular evaluations. They examine time since event, cause, residual symptoms, and control of risk factors such as hypertension, diabetes, and atrial fibrillation. Recent TIAs often result in postponement, while remote, single events with excellent control may receive cautiously rated offers. Advisors support clients by gathering complete records and clarifying whether episodes labeled as "TIA" were confirmed or later reclassified. Understanding TIA helps advisors explain why carriers take these events seriously and how aggressive medical management can improve both health and insurability over time.