Get life insurance rates from the top 15 life insurers that specialize in atrial fibrillation (AFib).
Our life insurance process ensures that you receive accurate quotes in days from the best life insurance companies for atrial fibrillation.
The benefit is that you will know what to expect in terms of underwriting and price from the most competitive carriers in the market.
AFib Quick Overview
Follow these links to the sections on this page that interest you
Atrial fibrillation (AFib or AF) is an arrhythmia of your heart that produces an irregular pulse.
An abnormal EKG or heart murmur discovered during your annual physical may have been the first indication that you have AFib.
According to the American Heart Association, over 2 million people in the U.S. have some form of AFib.
AFib Life Insurance Underwriting
With atrial fibrillation, life insurance underwriters are concerned about the underlying heart condition and the increased risk of stroke.
The severity of your AFib and the underlying heart condition will determine the life insurance rate.
In order to provide you with accurate life insurance quotes, we need to know the following:
- When were you diagnosed with atrial fibrillation?
- What type of AFib do you have? (paroxysmal, persistent, long-standing persistent)
- What is the cause of your atrial fibrillation?
- What symptoms do you have?
- What types of cardiac testing have you had to diagnose and monitor AFib?
- What medications and dosages do you take?
- Have you had surgery or has surgery been recommended?
- Do you have any other heart conditions such as high blood pressure?
- Have you ever had a stroke?
We use your answers from the above to send out quick quote requests to life insurance companies.
What is a quick quote?
A quick quote is a summary of your medical history that we shop to life insurance companies specializing in your medical condition. The benefit is that you have preliminary underwriting feedback in 3-5 days from life insurance companies.
Once we receive the underwriting feedback, it’s easy for us to provide you with quotes for term life insurance, universal and whole life insurance.
Life Insurance Rates and Companies for AFib
Life insurance rates depend on the type of atrial fibrillation, severity, and the treatment you receive.
Paroxysmal Atrial Fibrillation – Also known as intermittent atrial fibrillation.
Paroxysmal AFib – Standard and possibly standard plus life insurance rates are available if you have paroxysmal atrial fibrillation with no other health issues.
The above also assumes recent cardiac workups are available for review.
If you have an additional heart condition, underwriting would be based on the AFib and the additional condition.
Chronic Atrial Fibrillation – also known as permanent AFib, life insurance is available but pricing is more expensive than for people with intermittent AF.
Chronic AFib – Standard life insurance rates plus an additional expense called a table rating are common. The additional rating may add 50-100% to the standard rate…and sometimes more.
The final price depends on the severity of the atrial fibrillation, how effectively it is controlled and what other underlying heart conditions you have.
Other types of AFib such as Persistent Atrial Fibrillation, Long-Standing Persistent Atrial Fibrillation, Valvular Atrial Fibrillation will follow chronic guidelines for underwriting.
Things you can do to help get the best rates possible include:
- Taking your medications as prescribed
- Visiting with your physician on a regular basis
- Having current cardiac testing available
Best Life Insurance Companies for AFib
Prudential, John Hancock, Lincoln Financial, AIG and Banner Life are some of the best life insurance companies for AFib.
AFib and no underlying heart conditions – Any of the above companies will be a good choice.
Chronic AFib and additional heart problems – The underlying heart condition will determine which life insurer is best for you.
Atrial Fibrillation FAQ
Yes, you can get life insurance with atrial fibrillation. The key is to know what type of AFib you have, how severe your condition is and how current your cardiac records are.
Atrial fibrillation is an irregular heart rhythm that may increase your risk for stroke or other heart-related problems.
Life insurance is available if you’ve had cardiac ablation, the Maze procedure or AV node ablation. Life insurance rates are based on the success of the procedure and in some limited cases a “preferred” life insurance rate is available.
Atrial Fibrillation Conclusion
There is never an obligation or pressure with our service. We’ll provide you with the information you need to make an informed decision about your life insurance.
Please take a few minutes to complete our quote request today. Thank you.