Life Insurance with Atrial Fibrillation

Last updated: March 9th, 2018

Atrial fibrillation is an irregular and rapid heart rate that can cause poor blood flow. Atrial fibrillation causes the upper chambers of the heart to beat irregularly with the lower chambers of the heart. If you have Atrial fibrillation, you may have symptoms such as heart palpitations or shortness of breath. This article will cover life insurance options for those with Atrial Fibrillation.

If you’ve ever applied for life insurance and been declined or you’ve received expensive quotes before, there are still options. In fact, there are several choices for life insurance protection.

Getting Approved for Life Insurance

Life Insurance with Atrial FibrillationThe first item to note is that you can get approved for life insurance with A-fib. Rates will largely be dependent on how well controlled the condition is. The better controlled the condition, the better the health rating you will get and in turn better pricing. The insurance company will require an exam, and also require an APS (Attending physician statement – a review your doctor’s records) to get a better understanding of your overall health.

Questions to Determine Your Rate

To help us determine the rate you will get, here are some questions we will ask you regarding your A-fib:

  • Have you had a recent EKG? Have results been normal?
  • Have you been treated for the condition? If so when, and what type of treatment? Has your heart rhythm been normal since treatment?
  • Are you on medication for Atrial Fibrillation?
  • How old were you when you were diagnosed? The earlier the diagnosis the more likely it is that your condition hasn’t caused heart damage.
  • How is your overall health? Do you suffer from any other conditions? Are you a smoker?

In addition to those general questions about your health, like your family history and any other pre-existing health complications you may have. If you know what questions they are going to ask, you can be more prepared.

After all the questions comes the medical exam. This is a basic exam you would take at the doctors office. They will check your blood pressure, heart rate, get your weight, and other simple vitals. After you’ve completed the medical exam, the insurance company will review those results and run them through their medical underwriting.

Chronic A-fib

Chronic or permanent Atrial Fibrillation does lead to a small increase in the risk of death, and because of that if you suffer from chronic A-fib you will likely get a “rated” policy. That means you will pay higher than standard rates. You can read our article about understanding table ratings to learn more about what that means, or you can also request a custom life insurance quote using our form on this page.

Paroxysmal Atrial Fibrillation

With this type of A-fib, the faulty electrical signals and rapid heart rate begin suddenly and then stop on their own usually in less than 24 hours. This is a more mild form of A-fib, and you can typically qualify for standard (also called regular) life insurance rates.

Guaranteed Life Insurance

One option is to buy a guaranteed life insurance policy. These plans don’t require a medical exam or any health questions. You only have to answer a few basic questions and then you’ll have coverage. This might sound like the perfect option, but there are several reasons to avoid guaranteed issue life insurance unless it’s a last resort.

The Bottom Line

Some important things to note are that if you have been treated for the condition you will be expected to have a normal heart rhythm for a year or more for the treatment to be considered successful.

Taking medication that controls the condition is typically seen as a positive by life insurance companies, so if you take medication that helps regulate your heartbeat, it can be seen as a positive as long as you haven’t had major changes in medication recently.

Working with an Independent Insurance Agent

Some companies are going to charge you premiums which are through the roof, while other companies have more experience working with high-risk applicants. You need to find one of those companies, they will give you drastically lower premiums.

Instead of wasting hours calling agents or researching agencies, you should let us do the work. It doesn’t cost a dime to use an independent broker, and you get more than 30 quotes. Free help, why would you not use an independent agent?

If you think life insurance is off-limits because of your atrial fibrillation, think again. There is almost no health condition out there which completely eliminates you from life insurance.

Knowing which life insurance company to apply with can be the difference between getting approved and getting declined for coverage. Our agency specializes in high risk life insurance and can help assess your specific situation and see if you can get approved for life insurance with Atrial Fibrillation. Fill out the form on this page to get a custom quote, or call us at 888-552-6159.

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Doug Mitchell

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Comments (3)

  1. Todd sanders says:

    Looking for term life with good company,I haveAFIB but am in good health,it’s for my family,but I don’t want to break bank paying for it,if you can help great,if it’s not 400-500,000 we aren’t a 20 yr term.Thank you Todd

    1. Liran says:

      Hi Todd,

      I Just emailed you – there are several factors I need to know so that I can provide you an accurate rate.

  2. Timothy Doyle says:

    Greetings, I am a healthy 57 y/o with no history of smoking. I am interested In a 10 year term life insurance policy. I had an episode of parooxysmal afib a few years ago. I no longer take the medication and the cardiologist assures me that I’m stable. I’d like to speak with you about getting policy that is affordable.
    Thank you
    Tim Doyle

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